{"id":63989,"date":"2026-02-13T10:42:50","date_gmt":"2026-02-13T15:42:50","guid":{"rendered":"https:\/\/www.cleo.on.ca\/?post_type=publications-page&p=63989"},"modified":"2026-03-12T16:41:34","modified_gmt":"2026-03-12T20:41:34","slug":"credit-counselling","status":"publish","type":"publications-page","link":"https:\/\/www.cleo.on.ca\/en\/publications-page\/credit-counselling","title":{"rendered":"Credit counselling"},"content":{"rendered":"

Credit counselling agencies help you repay all your debt and learn how to stay out of debt. The agencies have creditor counsellors who give this help.<\/p>\n

There are 2 types of credit counselling agencies:<\/p>\n

    \n
  1. not-for-profit<\/li>\n
  2. for-profit<\/li>\n<\/ol>\n

    Not-for-profit agencies work with you at a low-cost or sometimes for free. For-profit agencies always charge you for their services and they make a profit from helping you.<\/p>","protected":false},"featured_media":0,"template":"","class_list":["post-63989","publications-page","type-publications-page","status-publish","hentry"],"yoast_head":"\nCredit counselling - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cleo.on.ca\/en\/publications-page\/credit-counselling\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit counselling - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\" \/>\n<meta property=\"og:description\" content=\"Credit counselling agencies help you repay all your debt and learn how to stay out of debt. The agencies have creditor counsellors who give this help. There are 2 types of credit counselling agencies: not-for-profit for-profit Not-for-profit agencies work with you at a low-cost or sometimes for free. For-profit agencies always charge you for their services and they make a profit from helping you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cleo.on.ca\/en\/publications-page\/credit-counselling\" \/>\n<meta property=\"og:site_name\" content=\"CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-12T20:41:34+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/credit-counselling\",\"url\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/credit-counselling\",\"name\":\"Credit counselling - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\",\"isPartOf\":{\"@id\":\"https:\/\/www.cleo.on.ca\/en\/#website\"},\"datePublished\":\"2026-02-13T15:42:50+00:00\",\"dateModified\":\"2026-03-12T20:41:34+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/credit-counselling#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.cleo.on.ca\/en\/publications-page\/credit-counselling\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/credit-counselling#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.cleo.on.ca\/en\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Publication pages\",\"item\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Credit counselling\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.cleo.on.ca\/en\/#website\",\"url\":\"https:\/\/www.cleo.on.ca\/en\/\",\"name\":\"CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.cleo.on.ca\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Credit counselling - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cleo.on.ca\/en\/publications-page\/credit-counselling","og_locale":"en_US","og_type":"article","og_title":"Credit counselling - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)","og_description":"Credit counselling agencies help you repay all your debt and learn how to stay out of debt. 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