The Issue

In our booming economy, Albertans potentially face a greater burden on their financial well-being than ever before. Making more money doesn’t necessarily equate to getting ahead and being happier.

• The average Canadian debt load is $30,596. Although Albertans have a lower amount of debt at $18,000, for some, this share of debt still causes stress, personal problems and absenteeism from work.
• There are a number of different debt management options available when faced with financial difficulties, depending on your situation. Bankruptcy or ignoring your debts are not the only solutions.
• The average savings rate in Alberta is 5.1% - only half of what is recommended by financial experts for an emergency fund.

The Solution

Whatever your financial situation may be, CCSA (Credit Counselling Services of Alberta) offers a wide range of services tailored to meet your needs. If you have the will to get out of debt or manage your money better we have the way to get you back on track with:

• A variety of debt management options to help you combat your debts. This includes The Orderly Payment of Debts Program, which allows you to pay your debts off in full over a period of time at an interest rate of 5% with full protection from collectors.
• Money Mentors seminars and personal coaching that teaches the basics on investing, mortgages, insurance, the wise use of credit, money personalities and more.
• A comprehensive website that contains valuable information and resources.

The CCSA Difference

Whether you are young or old, CCSA is the only Alberta-based not-for-profit organization committed to offering you guidance at all levels of your financial needs through counselling, coaching and seminars to ensure a brighter financial future.

• The only Alberta-based not-for-profit organization to provide The Orderly Payment of Debts Program and 40-plus educational seminars on a wide variety of money topics.
• Our staff are Personal Finance and Family Financial Management experts ready to help you see the big picture and develop spending plans to find a few extra dollars to pay off your debts, save or invest.
• We have the knowledge to refer you to other community resources near you.
• We have a 10 year successful track record of helping almost 300,000 Albertans create a brighter financial future for themselves and their families.