Introducing the only Alberta-based non-profit financial counselling agency.
We’ve helped thousands of Albertans manage debt and make confident financial decisions in 5 years or less.
- Exclusive Provider of the OPD Program
- Affordable and Stress-Free Debt & Financial Guidance
- Personalized Guidance and Support
- A Positive Alternative to Bankruptcy
“The strain and stress on our immediate lives changed almost overnight.”
Ron H | Verified Google Rating
Years serving Albertans
More than 28 years
Helped Albertans Pay Back
Over $450 million
Albertans Helped
Over 200,000
We'll reach out—just tell us when works for you.
Money Mentors' certified financial counsellors are available Monday to Saturday, including Monday to Thursday evenings.
Contact Form
One Simple Monthly Payment
Consolidate unsecured debts and get structured guidance from certified financial counsellors, helping you create one manageable monthly plan.
Protection from Creditors
Collection calls stop, wage garnishments end, and you gain peace of mind with expert legal and financial guidance.
No Set-Up Fees or Hidden Charges
Zero upfront costs make it easier to get advice without added financial strain.
Expert Guidance & Free Resources
Access personalized counselling, financial education, and support from accredited non-profit advisors to help you make informed decisions.
What Our Clients Have To Say
“Today I finished paying off my OPD program debt! I can’t thank Yve Boucher and the others on the Money Mentors team enough for all of their guidance. Throughout the 2 years that I worked with Yve she was always a call or an email away and I received guidance when I needed it and in a timely manner. I recommend Money Mentors to anyone that is struggling to get back into good financial shape. Shanae!! Meara Unfortunately, the debt was created by my half sibling and my father from stealing and reselling my property and not paying my bills and stealing my profits. So that’s awesome.. sometimes it’s not your fault.”
“Sharon’s ability to breakdown complicated business topics into easy to understand concepts is second to none! Her support has elevated my business acumen and I’m grateful for her guidance, mentorship, and wisdom. Thank you for the amazing work you do!”
“I am ashamed to be writing this review so many months after receiving the wonderful and timely advice from Alexander Martin, Counsellor with Money Mentors, Calgary, Alberta. I contacted him after carefully reviewing their website, back in November of 2024, and he graciously and extremely patiently explained the various aspects of handling my personal debt. I was so ashamed for allowing myself to fall into this trap of credit card debt. I should have known better. And for that reason, I was adamant that I needed to pay off the debt myself. I was not prepared to forgive myself for the fact that had I not been diagnosed with 3 types of cancer in 2016 and forced to quit work, I would have been able to meet my own commitments, but I chose to remain angry, lonely, and growing further in debt with increasing interest fees monthly. I was 75, and if I could just get a part time job... but after a whole year of applications and job fairs, that was not to be. Alexander was so kind; he explained the facts, and how so many Canadians fall into this trap annually, whether through illness, bad choices, job loss, or whatever other circumstance. He eased my guilt, and allowed me to see the light again. While Money Mentors does not handle the particular solution to my own problem, he was the guiding light on my journey towards the rest of my life and freedom. I did not bite the bullet finally until August of 2025, by the time I selected a Trustee to work with, but I am now well on my way. Thank you Alexander; I could not have done it without you! Barbara”
Why Money Mentors?
The Only Alberta-Based Non-Profit Credit Counselling Agency
Choosing a non-profit advisor ensures guidance is unbiased, ethical, and focused entirely on your needs.
Local Experts Who Understand Your Reality
Our Certified Financial Counsellors live and work in the same towns and cities you do. That means we understand Alberta's economy, cost of living, and challenges.
More Than Just Debt Help
From budgeting and money coaching to financial literacy programs in schools, we're here to empower Albertans of all ages to thrive financially—for life.
Government-Approved Orderly Payment of Debts Program
We're the only organization in Alberta authorized to offer this unique program that consolidates your debts into one affordable monthly payment.
What is the Orderly Payment of Debts (OPD) program?
Pretty much all Albertans have some debt, but when debt becomes overwhelming, it can be difficult to see a way forward. Money Mentors offers a unique debt consolidation repayment plan called the Orderly Payment of Debts (OPD) program, a federally legislated solution under the Bankruptcy & Insolvency Act (BIA) and monitored by the Province of Alberta.
Designed to be flexible, it fits any Albertan’s lifestyle and financial situation, making it a stress-free way to consolidate unsecured debts with guidance from non-profit financial advisors. With a fixed 5% interest rate and a clear path to becoming debt-free within five years, the OPD program helps clients regain control and make confident financial decisions.
4 Steps to Becoming Debt-Free
As Alberta's only non-profit credit counselling agency, we're here to help—not to sell. Our proven process puts your needs first, offering the clarity and support you need to take control of your finances.
Step 1
Speak With a Certified Financial Counsellor
Connect with one of our non-profit, accredited financial advisors for a confidential, no-obligation conversation.
Step 2
Explore Your Options
Receive unbiased advice on all available solutions, including debt repayment, structured programs, and OPD.
Step 3
Build Your Plan
Together, we create a personalized plan tailored to your financial circumstances.
Step 4
Start Living Financially Confident
With your plan in place, progress month by month. We provide ongoing support and education to help you make sound financial decisions and achieve stability.
How David Paid Off $36,000 of Debt to Regain Financial Freedom
How Cheryl Created a Debt-Free Future for Her Family
How the Orderly Payment of Debts Alberta Helped This Father Pay Off $60K in Payday Loan Debt
What's the difference between the OPD program and bankruptcy?
What debts are covered under the OPD program?
Credit cards
Personal loans
Overdrafts
Lines of Credit
Unsecured loans
Phone bills
Student loans
Payday loans
Government and Business Debt
Term loans
Benefits of working with Money Mentors’ Financial Advisors
- Access to certified, non-profit financial advisors
- Protection against creditor action
- All unsecured, government, and student loan debts consolidated into one program
- Free financial education, seminars, and budgeting tools
Frequently Asked Questions
What is the Orderly Payment of Debts (OPD) program?
The OPD program is a federally legislated debt consolidation program, monitored by the Province of Alberta, that helps individuals repay unsecured debts through a structured repayment plan with a fixed 5% interest rate.
How does the OPD program help manage debt?
The OPD program consolidates all your unsecured debts into one easy monthly payment, stops collection calls and wage garnishments, and ensures you pay off your debt within five years.
What types of debts are covered under the OPD program?
The program covers credit cards, personal loans, lines of credit, student loans, income tax debt, government debt, some business debt, and more.
How does the OPD program help me manage my debt?
Certified financial counsellor’s guide you through repayment options, ensuring you make informed choices and gain financial stability.
How is OPD different from bankruptcy?
Unlike bankruptcy, the OPD program allows you to fully repay your debt while keeping your assets. It also has a lower impact on your credit, remaining on your report for only two years after completion.
Are there any start-up fees to join the OPD program?
No, there are no start-up fees or hidden costs. The program is designed to make debt repayment affordable and stress-free.
What additional support does Money Mentors provide?
Clients receive personalized debt counseling, access to free financial education courses, and additional resources to help them build long-term financial stability.
Why choose a certified financial counsellor?
Non-profit advisors like Money Mentors focus entirely on your financial well-being, not profits. You receive unbiased guidance, ethical advice, and support to build long-term financial stability.
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