Directory of Organizations - Credit
This section contains information on:
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Credit Inquiries and Reporting Agencies
If you wish to request or verify your credit file, contact the credit bureaus listed below. *Please note that you can obtain your credit file for free.
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Equifax Canada Inc. Consumer Relations Department P.O. Box 190 Jean Talon Station Montreal (QC) H1S 2Z2 Tel.: (514) 493-2314 Toll free: 1-800-465-7166 Email: consumer.relations@equifax.com Website: www.equifax.ca |
Northern Credit Bureaus Inc. Fax (toll-free): 1-800-646-5876 Email: bcn@bcn.qc.ca Website: www.creditbureau.ca |
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TransUnion Canada For residents of all provinces except Quebec: P.O. Box 338, LCD 1 Hamilton, ON L8L 7W2 Tel.: (905) 525-0262 Toll free: 1-866-525-0262 Website: www.tuc.ca For residents of Quebec: TransUnion (Echo Group) Suite 370, 1 Place Laval Laval QC H7N 1A1 Tel.: (514) 335-0374 Toll free: 1-877-713-3393 Website: www.tuc.ca |
Credit Counselling
Are you struggling financially and feel that you need help? It may be worthwhile to meet with a budget counsellor from a consumers' association, from the nearest Credit Counselling Canada member or from another organization listed below.
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Alberta Credit Counselling Services of Alberta Suite 225, 602 - 11th Avenue SW Calgary AB T2R 1J8 Tel.: (403) 265-2201 Toll free: 1-888-294-0076 Website: www.creditcounselling.com Suite 440, 10123 - 99th Street Edmonton AB T5J 3H1 Tel.: (780) 423-5265 Toll free: 1-888-294-0076 Website: www.creditcounselling.com |
British Columbia Credit Counselling Society Columbia Skytrain Station Building 330 - 435 Columbia Street New Westminster BC V3L 5N8 Tel.: (604) 527-8999 Toll free: 1-888-527-8999 (BC only) Fax: (604) 527-8008 Email: inquiries@nomoredebts.org Website: www.nomoredebts.org |
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Manitoba Community Financial Counselling Services 3rd Floor, 238 Portage Avenue Winnipeg, MB R3C 0B1 Tel.: (204) 989-1900 Fax: (204) 989-1908 Email: cfcs@mts.net |
New Brunswick Credit Counselling Services of Atlantic Canada Inc. Harbour Building Suite 703, 133 Prince William Street Saint John NB E2L 5B2 Tel.: (506) 652-1613 Toll free: 1-888-753-2227(Atlantic region only) Fax: (506) 633-6057 Website: www.ccsac.com |
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Newfoundland and Labrador Personal Credit Counselling Service 22 Queens Road St. John's NL A1C 2A5 Tel.: (709) 753-5812 Fax: (709) 753-3390 Email: psweetapple@pccsnf.com Website: www.debthelpnewfoundland.com |
Nunavut and Northwest Territories Please use the services available in Alberta (Credit Counselling Services of Alberta) and/or British Columbia (Credit Counselling Society). |
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Nova Scotia Debtor Assistance Program Service Nova Scotia and Municipal Relations Tel.: (902) 424-5200 Toll free: 1-800-670-4357 Website: www.gov.ns.ca/snsmr/consumer/debtor Credit Counselling Services of Atlantic Canada Inc. Harbour Building Suite 703, 133 Prince William Street Saint John NB E2L 5B2 Tel.: (506) 652-1613 Toll free: 1-888-753-2227(Atlantic region only) Fax: (506) 633-6057 Website: www.ccsac.com |
Prince Edward Island Community & Family Service of PEI 158 Belvedere Avenue - Unit #5 Charlottetown PE C1A 2Z1 Tel.: (902) 892-2441 Toll free: 1-866 892-2441 Fax: (902) 892-4998 Email: cfs@familyservice.pe.ca Website: www.familyservice.pe.ca Credit Counselling Services of Atlantic Canada Inc. Harbour Building Suite 703, 133 Prince William Street Saint John NB E2L 5B2 Tel.: (506) 652-1613 Toll free: 1-888-753-2227(Atlantic region only) Fax: (506) 633-6057 Website: www.ccsac.com |
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Ontario Ontario Association of Credit Counselling Services Tel.:(905) 945-5644 Website: www.oaccs.com To find the agency nearest you: www.oaccs.com/agencies.html or the referral Line at 1-888-7-IN DEBT. |
Saskatchewan Provincial Mediation Board Saskatchewan Justice Suite 120, 2151 Scarth Street Regina SK S4N 3V7 Tel.: (306) 787-5387 Toll free: 1-888-215-2222 Fax: (306) 787-5574 Main Floor, Sturdy Stone Building 122 - 3rd Avenue North Saskatoon SK S7K 2H6 Tel.: (306) 933-6520 Toll free: 1-888-215-2222 Fax: (306) 933-7030 Website: www.saskjustice.gov.sk.ca/provmediation |
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Quebec In Quebec, please visit the Réseau de protection du consommateur website for a complete list of organizations in your area that provide budget counselling services or refer to the list into the "Consumer Groups" section of this guide. |
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Yukon Please use the services available in British Columbia (Credit Counselling Society). |
Collection Agencies
If you are contacted by a collection agent, be aware that all provinces set out rules that collection agencies must follow. For advice on how to respond to a collection agent, refer to the first part of this handbook on general information. Consumers who wish to complain about a collection agency may contact their provincial or territorial office of consumer affairs. Consumers in British Columbia should contact the Director of Debt Collection (see address below).
British Columbia
Business Practices and Consumer Protection Authority
P.O. Box 9244
Victoria BC V8W 9J2
Tel.: (604) 320-1667
Toll free: 1-888-564-9963
Fax: (250) 920-7181
Email: info@bpcpa.ca
Website: www.bpcpa.ca
All other provinces / territories
Contact your local consumer affairs office.
Bankruptcy
For those who declare bankruptcy, the Office of the Superintendent of Bankruptcy works to ensure that the bankruptcy process is conducted in a fair and orderly manner. Under certain circumstances the Office will assist debtors in finding a trustee in bankruptcy. It also investigates complaints from debtors regarding a possible wrong. In Saskatchewan there is special help for farmers facing bankruptcy.
Office of the Superintendent of Bankruptcy
365 Laurier Avenue West
8th Floor, Jean-Edmonds Tower South
Ottawa ON K1A 0C8
Tel.: (613) 941-1000
Fax: (613) 941-2862
Website: www.osb-bsf.ic.gc.ca
Name Search Services
Tel.: (613) 941-2863
Fax: (613) 941-9490
For a complete list of regional offices please see the Other
Government Contacts section of this guide.
Saskatchewan Agriculture, Food and Rural
Revitalization
This department provides specific information for Saskatchewan
farmers who are seeking protection from their creditors or filing for
bankruptcy.
Suite 329, 3085 Albert Street
Regina SK S4S 0B1
Tel.: (306) 787-5140
Farm Stress Line: 1-800-667-4442
Fax: (306) 798-3042
Website: www.agr.gov.sk.ca
