How to Find the Right Credit Counselling Agency
Debt can feel overwhelming. If you’re struggling, a credit counselling agency in Alberta can help. But not all agencies are the same. Some will guide you in the right direction. Others may push you into programs that aren’t right for you.
So how do you pick the best one? Asking the right questions is the first step.
What Does a Credit Counselling Agency Do?
A credit counselling agency is there to help you take control of your money. They can:
- Provide advice on managing debt
- Help with budgeting so you can stay on track
- Offer programs to help you repay what you owe and talk to your creditors to reduce stress
Many non-profit agencies focus on education and long-term financial stability rather than quick fixes.
Why Picking the Right Credit Counselling Agency in Alberta Matters
Not all credit counselling agencies are created equal. While some genuinely want to help, others may be more focused on profit than providing real solutions.
🔎 Red Flags to Watch For:
- Agencies that demand large upfront fees before offering any help
- Promises to “erase” debt or instantly boost your credit score
- Accreditation from Credit Counselling Canada (CCC) ensures the organization follows strict ethical standards, so if they’re not accredited, proceed with caution.
- High-pressure sales tactics to enroll in costly debt management plans
- Encouragement to take out more debt, like a high-interest consolidation loan, instead of a structured repayment plan
- No focus on financial education or long-term debt solutions
- Complaints or negative reviews on Google, Better Business Bureau ratings, and forums.
✅ Signs of a Trustworthy Agency:
The right credit counselling agency will be transparent, ethical, and focused on your financial well-being. Look for:
- Accreditation by a recognized organization — Agencies affiliated with CCC meet national ethical standards and are non-profit organizations.
- Free or low-cost initial consultations — Reputable agencies won’t charge you just to learn about your options.
- Multiple debt solutions — A good agency will spend time getting to know your unique situation and provide a range of options on ways to find debt relief while providing budgeting help, financial education, and structured repayment programs.
- Clear explanations of the pros and cons — They should walk you through all available options so you can make an informed decision.
- Positive client reviews and testimonials — Check Google Reviews and the Better Business Bureau (BBB) for real customer experiences.
- Transparent fees and services — There should be no hidden costs, fine print, or unclear terms.
- No referral charges — Some companies will charge money to refer you to service providers. Trustworthy agencies such as those affiliated with CCC will not do this.
Choosing the right organization can make a huge difference in your financial future. Take your time, do your research, and pick one that truly has your best interests at heart.
Questions to Ask a Credit Counselling Agency
1. Are you based in Alberta?
- A local agency understands Alberta’s debt laws. They may also offer in-person help.
2. How long has your organization been helping people with debt?
- An agency with decades of experience knows how to help in many different situations.
3. Are you a registered non-profit?
- Some organizations prioritize revenue over client well-being. Choosing a registered non-profit ensures their focus is on what’s best for the client, not profit.
4. What services do you offer?
- The best credit counselling agencies offer many solutions, like:
If an agency only offers one option, they may push you into a program that’s not right for you.
5. Do you offer free financial education and resources?
- Some agencies only want to sign you up for a program. Others offer free tools and education to help you stay out of debt in the future.
6. What kind of training and certifications do your financial counsellors have?
- Look for counsellors with recognized certifications like Accredited Financial Counsellor Canada (AFCC), as well as ongoing training in financial literacy, budgeting, and debt management.
Why It’s Best for Albertans to Choose an Alberta-Based Agency
An Alberta-based credit counselling agency will:
- Know Alberta’s laws and programs
- Offer in-person consultations if needed
- Have experience working with local creditors
Non-profit organizations like Money Mentors specialize in providing timely solutions for individuals and families facing financial challenges. Since 1997, Money Mentors has been helping Albertans manage their debt and build financial stability.
Our Credit Counsellors have the Accredited Financial Counsellor Canada (AFCC) certification, which ensures their comprehensive knowledge in financial counselling, and requires that they uphold the Professional Code of Ethics and Standards.
As the exclusive provider of the Orderly Payment of Debts program, managed on behalf of the Government of Alberta, we help Albertans consolidate and repay debts with a structured, 5% interest plan.
A proven track record, a government-backed program, and a commitment to ethical, client-focused financial counselling make Money Mentors the trusted choice for Albertans seeking real debt solutions and long-term financial stability.
Take the Next Step
Picking the right agency is one of the most important steps to becoming debt-free. When you ask the right questions, you can find an agency that puts your needs first.
If you’re looking for trusted financial counselling in Alberta, Money Mentors offers free consultations and customized debt solutions.
Ready to explore your options?
Speak with one of our Accredited Financial Counsellors
