Credit & Debt Services

Welcome to Credit Counselling Services of Peterborough, a program of CCRC. For over 35 years our trained credit counsellors have helped people solve their money management and debt problems.

Know Your Options

As a ‘Not For Profit’ service our only goal is to help our clients become better informed about all options available to them. In fact our accreditation standards require us to make sure our clients are given all the information they need to make the best informed decisions and, if requested by the client, this might lead to further referrals outside of our agency.  There are many other ” so called ” credit counselling services saturating the consumer market and media and this can often lead to mistrust and confusion.  CCRC is the only accredited community based credit counselling service in the Peterborough region with over 40 years experience.  Our certified counsellors are able to address all of your questions and credit concerns in a positive and unbiased environment.


Budgeting and money management counselling

Preventative Education

Debt repayment programs

Bankruptcy counselling

  • Are you living paycheque to paycheque?
  • Are collectors calling you at home or work?
  • Do you feel stress because of money or debt problems?
  • Has your bank account been frozen?
  • Are you bills in a constant state of arrears?
  • Are you experiencing extreme anxiety due to your financial situation?
  • Have you gone to other organizations for credit counselling assistance, only to find that your needs have not been met?
  • Have you recently applied for bankruptcy?
  • Are you making the minimum payments but your balance is staying the same due to high interest rates?

You are not alone. We serve over 2,000 individuals and families each year who are having money or debt problems. We give them the information, tools and skills they need to be able to regain control of their personal finances. We can help you turn things around as well.

Our services are professional and confidential. We are part of a not-for-profit, charitable agency, offering free or low cost services. We are a United Way Member Agency, a member of Credit Counselling Canada and a founding member of the Credit Canada Network of Not for Profit Credit Counselling Services.

We offer telephone advice and face-to-face money management and debt counselling in Peterborough, Haliburton, Kawartha Lakes and Northumberland Counties. Our services include:

Budgeting and money management counselling:

We provide information on money management, debt reduction options, and collection agency practices.

Preventative Education

We promote the wise use of credit and money management skills on an individual, family and community basis. Workshops are available by request to workplaces and community groups.

Debt repayment programs

We may be able to get your payments lowered based on your ability to pay, and have your interest charges substantially reduced. People in our debt repayment program typically pay off their debts in about four years. This program is an alternative to bankruptcy and helps reduce stress by stopping collection calls and worries of legal action.

Bankruptcy counselling:

We provide counselling to individuals who have filed for personal bankruptcy and/or a consumer proposal, as required by the Bankruptcy Act.

Get help to control your debt so it doesn’t control you. To book a free and confidential appointment with one of our counsellors, call (705) 743-2272 or 1 (800) 274-1611, between 9:00 am and 4:30 pm, Monday to Friday.

We now also offer extended hours for some evening appointments, between 5:00-8:00 p.m. Call 705-743-2272 or 1-800-274-1611 for details or to make an appointment.