Introducing Alberta's Only Non-Profit Credit Counselling Agency
Real Debt Solutions, Right Here in Alberta
- Free, Confidential Counselling
- 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
Structured Repayment Made Simple
The Orderly Payment of Debts (OPD) program lets you combine your debts into one manageable monthly payment with legal protection.
Protection from Creditors
OPD stops collection calls and wage garnishments, giving you peace of mind.
No Hidden Fees
As a non-profit, Money Mentors provides guidance with no hidden costs and explains all fees upfront.
Expert Guidance & Free Resources
Our accredited counsellors answer questions about debt solutions, including Consumer Proposals and bankruptcy, and help you understand how OPD compares.
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?
Alberta's Only Non-Profit Credit Counselling Agency
We administer Alberta’s unique Orderly Payment of Debts program and provide unbiased guidance about all debt options.
Local Experts Who Understand Your Reality
Our counsellors live and work in Alberta, understanding local costs and challenges.
More Than Just Debt Help
From budgeting and money coaching to financial literacy programs, we provide tools to help Albertans thrive financially.
4 Steps to Managing Debt Successfully
Step 1
Speak With a Certified Financial Counsellor
Get a confidential, no-obligation consultation to review your financial situation and goals.
Step 2
Explore Your Options
Learn about OPD, Consumer Proposals, bankruptcy, or informal repayment plans. We explain pros and cons so you can make the best choice.
Step 3
Build Your Plan
Create a personalized action plan, including timelines, monthly payments, and ongoing educational support.
Step 4
Start Managing Debt Confidently
Follow your plan month by month with ongoing guidance and resources to stay on track.
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
Consumer Proposal vs Bankruptcy vs Alternatives
Benefits of Working with Money Mentors
- Learn practical budgeting and debt management skills
- Explore Consumer Proposals and other debt solutions
- Access non-profit, unbiased guidance
- Protect assets while repaying debt
- Free financial seminars, workshops, and tools
Frequently Asked Questions
What is the Orderly Payment of Debts (OPD) program?
A government-approved program only in Alberta, administered by Money Mentors. It lets you repay your debts in full with a fixed 5% interest rate under legal protection.
What is a Consumer Proposal?
A Consumer Proposal is a legal solution administered under the Bankruptcy & Insolvency Act. It allows you to pay a portion of your debts back through monthly payments.
Can I join OPD if I already have a Consumer Proposal?
No. You cannot be in both programs at the same time. Our counsellors can help you choose the option that fits your situation.
How long does OPD take to complete?
Most OPD programs take 3–5 years depending on your situation. Some programs can extend up to 10 years, depending on the nature of the debt.
As Seen On
Feeling overwhelmed these days? Let us help.
