Consolidated Credit Counseling Services of Canada Reviews

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Edited by: Angela Bunt

About Consolidated Credit Counseling Services of Canada

Consolidated Credit was founded in 1993, with Canadian services established in the mid-2000s. The company continues to help consumers with credit, debt and financial obligations, operating under the belief that education is a key to a person's financial success. It provides credit counseling and financial education, and may discuss debt consolidation options with you or refer you to appropriate professionals.

Pros
  • May reduce your payments by up to 50%
  • Talk to a credit counselor
  • Free counseling services
Cons
  • Only works with unsecured debt
  • May require closing or restricting credit accounts while enrolled

Helpful Reviews

Calgary, AB
Verified purchase
In retrospect, I have updated my review to reflect a more positive encounter I had with Dal who during our last phone call expressed his gratitude for the amount of work I complet...

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Sarnia, ON
Verified purchase
I am really pleased that I made the decision to go with your program. I have no more worries about my debt load. No more sleepless nights. I can't thank you enough for helping me....

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How does Consolidated Credit Canada’s credit counseling work?

Consolidated Credit Canada offers nonprofit credit counseling services to discuss options and develop a strategy for getting out of debt. Consumers that sign up with Consolidated Credit Canada can:

  1. Talk to a credit counselor for free. Consolidated Credit Canada’s service begins with an over-the-phone evaluation of your budget and debts. A credit counselor asks for some basic information to help get to the root cause of your financial challenges and conducts a soft check on your credit. During this conversation, your credit counselor may discuss the following debt solutions, depending on their relevance to your situation:
    • Taking out a consolidation loan
    • Joining a debt management program
    • Applying for a debt settlement plan
    • Filing a consumer proposal
    • Declaring bankruptcy
  2. Start whenever they’re ready. Your phone call with Consolidated Credit Canada’s credit counselors doesn’t bind you to its services. Take your time deciding what option is best for you. Once you’re ready to enroll, Consolidated Credit Canada contacts your creditors on your behalf and works with them to lower your interest rates and fees.
  3. Get out of debt in less time. If your best course of action is a debt management program, then you can enroll in one directly through Consolidated Credit. It oversees your debt repayment plan and helps minimize extra charges on what you owe. When you follow Consolidated Credit Canada’s advice, you can lower your payments by anywhere from 30% to 50%.

Consolidated Credit Canada debt management program

Consolidated Credit Canada’s debt management program helps you get out of debt faster by consolidating your credit card accounts and other unsecured debts into one monthly payment without the need for a debt consolidation loan. Consolidated Credit Canada works with your creditors to reduce or eliminate the interest and fees on your payments so you can concentrate on paying off the principal debt.

Many types of unsecured debt, especially credit cards, may be eligible for Consolidated Credit Canada’s debt management program. But the company specializes in dealing with credit card debts.

How much does Consolidated Credit Canada cost?

The initial interview with Consolidated Credit Canada is free, but the nonprofit charges a fee if you enroll in its debt management program. Consolidated Credit Canada sets its monthly fees based on your budget and level of financial hardship and rolls the cost into the monthly payment you make to pay off your debt.

FAQ

Does Consolidated Credit Canada hurt your credit?

Enrolling in Consolidated Credit Canada’s debt management program may have a short-term impact on your credit, but consistent payments can help over time. However, things you do as part of the program, like making on-time payments, can increase your credit score. Not making your agreed payments could cause your credit score to decrease.

What does Consolidated Credit Canada do?

Consolidated Credit Canada helps you pay off your debts faster by working with you to create a manageable payment plan. Consolidated Credit Canada also works with your creditors to help you get a lower interest rate on your payments.

Does Consolidated Credit Canada really work?

Yes. If you fully commit to following Consolidated Credit Canada’s advice, its debt management program can reduce your payments by anywhere from 30% to 50%.

Still have questions?

Is Consolidated Credit Canada good?

If you’re struggling to make payments on your credit cards and want a lower interest rate, Consolidated Credit Canada’s credit counseling services are worth checking out. With an easy application process and the ability to reduce your payments by up to 50%, Consolidated Credit Canada is a viable option for people who want to work with a reliable online credit counseling agency.

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Consolidated Credit Counseling Services of Canada Reviews

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    Page 1 Reviews 0 - 40
    Verified purchase
    Customer ServiceTransparency

    Reviewed Nov. 22, 2023

    In retrospect, I have updated my review to reflect a more positive encounter I had with Dal who during our last phone call expressed his gratitude for the amount of work I completed in relaying the required documents. He responded to my questions fully so that I could comprehend the task or problem involved in the concept of a ' Consumer Proposal '.

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    Verified purchase
    Staff

    Reviewed March 17, 2023

    I feel very comfortable dealing with the agent. He was very professional and courteous and answered all my questions. Gianna even pointed me in the right direction for any further questions. I would recommend them to friends needing help with their credit.

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      Staff

      Reviewed Feb. 5, 2023

      First of all, people extremely thoughtful, knowledgeable and expedient. Helped me take control of situation without embarrassment. Talked me through some computer details. When I finished the consult, I felt like a weight was lifted off my shoulders.

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      Verified purchase
      Staff

      Reviewed June 8, 2022

      Sam is an excellent credit counsellor. He is kind, caring, informative and truly cares about the person in trouble. He speaks excellent English which is so important to seniors. I would recommend him 1000 times.

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      Verified purchase
      Customer ServicePricePunctuality & SpeedStaffBillingRates

      Reviewed May 4, 2022

      I would highly recommend Both Leslie and Consolidated Credit in helping us move through our credit card and debt pitfalls. Even though it took me days … if not weeks to finally make the phone call... don’t hesitate to make yours today! My fears and worries were quickly relieved by the professional, courteous and very streamlined services. Thank you for making this worrisome ordeal manageable! You have taken away a mountain of stress with the daily creditor phone calls and double-digit interest costs that I could never realistically pay off. I feel that I can now walk confidently forward with my new debt repayment plan.

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      Verified purchase
      Staff

      Reviewed May 2, 2022

      Sam was very helpful and professional. I was scared to face this debt and just being young and unsure of what to do to help better my credit, he was very informative and not judgemental at all. Made me feel comfortable and was able to get my issue sorted in less than an hour. Thank you Sam.

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      Verified purchase
      Staff

      Reviewed Feb. 24, 2022

      Keirston the agent I spoke with was so pleasant, listened really well and helped me find the best solution. He was really encouraging and clearly laid out al the details. I am happy with the solution he came up with.

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      Verified purchase
      Staff

      Reviewed July 4, 2021

      I would like to say thank you to Elizabeth for her wisdom and knowledge for helping me and the rest of her colleagues for being such a tremendous help on getting my debt paid off. I know the 5 years were a bit challenging at times but it paid off in the end. Thank you to all.

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      Verified purchase
      Staff

      Reviewed May 6, 2021

      Today I had the pleasure of speaking with Elizabeth and the experience was 10/10. She is very well spoken and knowledgeable and I learned so much. I left our conversation feeling more confident and happy. Hope I can speak with her again if the time comes.

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      Verified purchase

      Reviewed Feb. 19, 2021

      Dear Consolidated credit services of Canada, Inc. My counselor, Gary **, is a highly regarded partner to work with for my financial debt resolution. Gary’s broad band experience tailored to my situation, along with his very pleasant personality is a true asset for me to have in a partner. I welcome working with Gary and your company. Sincerely, Grant **

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed June 16, 2020

      I like the service they are very helpful in everything I need. Carlos was very fast and helpful with everything I needed. It's a pleasure dealing with them. I would definitely recommend them to my friends and family.

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      Verified purchase
      Staff

      Reviewed Nov. 26, 2019

      Elizabeth presented a friendly tone of voice of being willing to help, me - the customer, in fulfilling my requests and she was able to provide reasonable answers to all my queries. She also made an effort to understand my needs for my requests and explained the benefits of accessing my account portal online.

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      Verified purchase
      Staff

      Reviewed Oct. 24, 2019

      I am very happy with the service I received yesterday from Norma. It’s a huge relief that she’s helped me figure out how to get out of my debt and get my financial life back on track. She was very helpful and knowledgeable with information that I needed to hear. Thank you.

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      Verified purchase

      Reviewed July 13, 2019

      I am really pleased that I made the decision to go with your program. I have no more worries about my debt load. No more sleepless nights. I can't thank you enough for helping me. I will definitely advertise.

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      Verified purchase
      Staff

      Reviewed May 14, 2019

      It was an excellent experience. I was treated with respect and understanding. The consultant was knowledgeable and put me at ease in regards to my credit situation. I would highly recommend Consolidated Credit Services.

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      Verified purchase
      Staff

      Reviewed April 25, 2019

      Very helpful, professional, and proficient in adjusting payment date. The service provided has significantly alleviated stress due to debt accumulation and has greatly assisted in reaching the goal of being debt-free as quickly as possible.

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      Verified purchase
      Customer ServiceStaff

      Reviewed March 18, 2019

      Representative easily resolved the concern I had. She was extremely knowledgeable and even provided me with advice to better help my credit score while still paying off my remaining debts through their program! She is an asset to the company and wouldn’t hesitate to call if I need more help in the future.

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      Verified purchase
      Customer Service

      Reviewed Jan. 22, 2019

      I have had no issues with Consolidated. They have helped me through what I thought I could not get through debt-wise. I would truly recommend to anyone who feels lost. My only quirk with Consolidated is that they cannot help out when you owe Revenue Canada. All in all the experience with customer service and everyone else has been an excellent one. Thank you, Consolidated.

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      Verified purchase
      Staff

      Reviewed Jan. 10, 2019

      Arranging payment dates to suit new job/pay dates. Contact was excellent to deal with. Handled my inquiry with understanding and was very professional. I appreciate the flexibility and assistance offered by the representative. Speaking with her was easy, comforting, for lack of a better term. Explained situation and details very clearly.

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      Verified purchase
      Staff

      Reviewed Dec. 8, 2018

      As I am only 1 payment away from being completely debt free, I have to thank Consolidated for all their help. Before I started as a client I was in big trouble trying to pay off all the debt and it seemed like a never ending circle. Finally a friend told me about Consolidated and from the beginning they were kind and patient and certainly did not judge, they simply helped me get control of my debt and now it's almost over. Thank you Consolidated Credit!!!

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      Customer ServiceStaff

      Reviewed Dec. 4, 2018

      We paid 100k in debts and that I'm happy but I had to call pretty much all my creditors myself at the beginning as they had no idea what Consolidated Credit was and Consolidated Credit never did any efforts to call them. So I did all the work myself PLUS when our program ended they asked us for a $3500 contribution trying to say that every clients gives them that at the end. When I said no the lady that finalizes the accounts she started treating with arrogance and was insulted that we didn't want to contribute that amount!!! Then she says: "What about half that amount?"

      Both my wife and I were speechless on the phone! LIKE we just finished paying 100K and this lady (She should be fired by the way!) has the guts to make us feel bad and treating us with disrespect when we didn't want to contribute $3500!? Sounds like maybe she was going to have some commission with that amount as she was waaayyy too pushy! Anyways, if you see another company out there please go with another company than CONSOLIDATED CREDIT!!! Make yourself a big favor! Plus they didn't even negotiate for us, we paid more in the end in interests...

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      Staff

      Reviewed Nov. 2, 2018

      Everyone has been very helpful and polite. Thank you but it would help a lot more and save tons of time if that every time you speak with a representative you don’t have to repeat setting up your account. My wife and I have done it numerous times which I think is silly.

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      Customer Service

      Reviewed Sept. 27, 2018

      I submitted my amounts due to each credit card company to Consolidated Credit three years ago when I got started. I was given an estimated date of final payments being made. Sometime during the initial phase of setting up the accounts. BMO Master Card said I owed $3,600 MORE than I thought I did. I stopped getting statements from BMO as soon as I signed up and Consolidated Credit didn't think that I needed to be notified of this significant increase in the amount I submit versus BMO. REALLY??? Now I am trying to figure out what happened. Like I said, horrible communication. DO NOT USE THIS COMPANY.

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      Customer ServiceStaff

      Reviewed Feb. 8, 2018

      I have been with CCCS of Canada for about a year now and they have been absolutely great with me from the very beginning. Always very friendly, Never any pressure, Always very helpful and understanding with whatever. Whenever I had to call them to talk to them for something, they were always a pleasure to deal with. Certainly takes the stress off of someone. I would highly recommend CCCS of Canada for all of your debt solution needs. And they are non-profit as well which is great. You have so much to gain by using their services. You will be glad you did! Thanks CCCS of Canada.

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      Verified purchase

      Reviewed Nov. 8, 2017

      I have tried numerous times to send an inquiry from your website regarding the change of financial institute and all I get back is, "Check your profile. There is an addition." There has never been any additions. Needless to say the issue has not been rectified, so right now with this issue I am not satisfied.

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      Staff

      Reviewed Nov. 6, 2017

      It's very hard that you speak with someone that you can identify with and at the same time feel like you have know the person for a very long time and that's the experience I had with Theresa. I would love to work with a company like Consolidated Credit to give back my time as this program has really help me in so many ways, Theresa is truly passionate about her job and helping others. Talking to her put another motivation step in my step to continue to push towards the final results, words can't explain how much I appreciate your kind words and encouragement. I pray God richest blessing on you. Thanks one Billion Theresa!!!

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      Verified purchase

      Reviewed Aug. 25, 2016

      Add extra bill that I could not keep up with payment.

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Thank you for the 5 star review Raymond. We are happy you are able to manage your debt now. All the best to you!

      Verified purchase
      Staff

      Reviewed Aug. 19, 2016

      I liked talking to Diana as she was very helpful and nice to talk to. She helped me with everything I needed and offered more assistance if anything comes up. Thank you very much.

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Hi Roberta,

      So happy to hear Diana was so helpful to you. Thank you for your 5 star review.

      All the best to you.

      Natasha

      Verified purchase
      Staff

      Reviewed Aug. 15, 2016

      Am just happy to know that people in Consolidated Credit company are accommodating, especially the lady that I spoke today. She's helpful to explain to me what I need to know about my case.

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Hi Josephine,

      Happy to hear you received top notch customer service - this is what we strive for.

      Thanks for giving Consolidated Credit a 5 star review. All the best to you!

      Natasha

      Verified purchase
      Customer ServiceStaff

      Reviewed Aug. 9, 2016

      Today I spoke with yet another wonderful, & caring person, Mike... As have all my experiences with the members of the team there. He again was so helpful and took the time to assist with my questions. My 5 yr program is now down to 7 months, which is amazing! And throughout this time, I experienced many 'family' issues with loved ones, younger, passing with cancer. You all, including Supervisor Mona, have made this journey bearable, made me wonder why I hesitated for so long, before making my first call!! It was 'family' issues with sickness, Nursing Home, etc, that got me to the point of making the first call... Now look, such great support, understanding, and patience. you, Mike, and all the Team there make it an un-embarrassing situation, with such help along the way. Kudos to you all. 7 months to go. Wow!!

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Congratulations Linda! We are so happy for you! You're an inspiration! Thank you for the 5 star review. All the best to you.

      Natasha

      Verified purchase
      Sales & Marketing

      Reviewed Aug. 4, 2016

      My Wife and I are so happy with the help everybody has given us. We were drowning in debt and could see no way out until we saw your advertisement. Now we are at the beginning of a new chapter of our lives knowing that in five years we will be free and clear of debt.

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Hi Phillip,

      Thank you for your 5 star review. We are happy for you and your wife as you enter a new chapter of your lives. All the best to you!

      Best regards,

      Natasha

      Verified purchase
      Staff

      Reviewed Aug. 1, 2016

      I needed help with my account. Tunuja was my contact rep. She told me what I could do and more. I told her that I was so happy with her help that I could cry! You should have your reps to take her as an example of her.

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Malcolm,

      Happy to hear Tunuja was so helpful. We wish you all the best and thank you for the 5 star review.

      Regards,

      Natasha

      Verified purchase
      Staff

      Reviewed July 29, 2016

      Excellent experience. Very helpful and answered all my questions. Very understanding. Very pleasant.

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Hi Victoria,

      Thank you for your kind 5 star review. I would like to wish you all the best!

      Natasha

      Verified purchase
      Staff

      Reviewed July 20, 2016

      Tanuja was very thorough. There were complications with the accounts and she took her time and got it all sorted out. Very polite. Excellent help. Thank you Tanuja!!!

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Thank you for the 5 star review Annie! We are so glad Tanuja was able to help you out. We wish you all the best!

      Verified purchase
      Staff

      Reviewed July 13, 2016

      I would like to commend the excellent and professional services extended by Terri-Ann on July 12, 2016. Terri-Ann is a proof that your company can deliver quality and efficient services to your clients.

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Antonio,

      Thank you for your glowing 5 star review. Pleased to hear Terri-Ann was so helpful to you. We wish you all the best.

      Regards,

      Natasha

      Verified purchase
      Customer ServiceStaff

      Reviewed July 13, 2016

      I have been with Consolidated Credit as a Customer for 3 years now and I want to say how professional and friendly your staff has always answered all my concerns, gave me a helpful advice and their response to my questions. I spoke to Liliana today and explained my situation and immediately she gave me the answer I was looking for! She helped me get access to my online account in just a few seconds! She was so nice on the phone, listened to me and very patient! I am very, very happy with their service. I will give 101%! Thanks so much for the service and I will highly recommend this to anyone who needs a fresh start!

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Veronica,

      Thank you for your 5 star review. Happy to hear you are off to a new fresh start with your money management. We wish you continued success as you pay off your debt.

      Regards,

      Natasha

      Verified purchase

      Reviewed July 11, 2016

      I would recommend your service to anyone that might be in a similar situation as I was. You gave me a second chance at making a difference in my life. My situation would probably have never been rectified if I had not taken this route since I was a widow with a set income. Thank you again.

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Hi Lorraine,

      Thank you for your positive 5 star review. We are happy you were able to manage your finances while on a set income. We wish you nothing but continued success!

      Regards,

      Natasha

      Verified purchase
      Customer ServiceStaff

      Reviewed June 29, 2016

      I just wanted to express my appreciation regarding the great help that one of the Consolidated Credit staff member, Taniya, and the extra effort she put in toward working on getting our account resolved with Royal Bank. Every time I called CC, I was hoping she would be the one to answer the phone. I believe it was her effort that helped resolve the issue with Royal Bank.

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Diane,

      Thank you very much for the 5 star review. I am happy to hear Taniya was instrumental with helping you resolve your issue with Royal Bank. I wish you all of the best Diane.

      Regards,

      Natasha

      Verified purchase
      Customer ServiceStaff

      Reviewed June 28, 2016

      Just want to thank you for helping a single father of three get back on his feet financially. Your courteous staff walked me through the entire process and helped me see a light at the end of a very long tunnel. The follow up call was very helpful, and giving me the tools to not only stay on the right path to financial freedom, but also for giving me the opportunity to check periodically on how well I'm doing. Thank you once again.

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Tyrus,

      Thank you for the 5 star review. We are very happy to help you get back on your feet again. We wish you all the best.

      Regards,

      Natasha

      Verified purchase
      Staff

      Reviewed June 28, 2016

      In all honesty, Precious was top notch! She answered all my questions thoroughly, and made absolute sure I fully understood everything. She was also very patient, and seemed to genuinely to have my best interests at heart. She's definitely an asset to your organisation!

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      Consolidated Credit Counseling Services of Canada
      Response from Consolidated Credit Counseling Services of Canada

      Hi Michael,

      Thank you for the 5 star review. I am so happy to hear Precious was very helpful to you and answered all of your questions. All the best to you.

      Natasha

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      Consolidated Credit Counseling Services of Canada Company Information

      Company Name:
      Consolidated Credit Counseling Services of Canada
      Website:
      www.consolidatedcreditcanada.ca