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Credit Counselling in Ottawa and Eastern Ontario

If you’ve started to notice that your spending habits are having a negative impact on your life and are concerned about the future, credit counselling may be the solution for you. At D. & A. MacLeod Company Ltd., our Licensed Insolvency Trustees (LIT) have the experience to help you:

  • Establish a realistic budget for monthly expenses

  • Analyze potential lifestyle changes to reduce the impact of your spending

  • Set short-term and long-term financial goals

  • Prepare informal arrangements with your creditors if necessary

It’s important to understand your financial situation before it gets out of hand. We offer credit counselling in Ottawa, Kingston, Cornwall, Smiths Falls, Pembroke, Kanata, Brockville, and Orleans. By attending an initial free, no-obligation consultation, you will learn about your options and establish a relationship with our trustees.

When Should You Seek Credit Counselling?

It is recommended that you seek credit counselling when you need advice on managing your money or help reducing or eliminating your debt. Signs of stress where credit counselling may help are:

  • You borrow money to make it from one payday to the next

  • You go over your spending limit and use your credit card as a source income

  • You are applying for another credit card because your existing cards are at their limit

  • You regularly pay interest and do not reduce your debts

  • You feel that you are not making progress in attaining your financial goals

Timely payments are the most important component, so paying even the minimum is necessary to maintain a good credit score. At the first sign of financial trouble, you can discuss possible special arrangements with your bank or other lenders to help you pay off your debt.


A poor credit score can make various purchases in your life more difficult, such as car loans, insurance, mortgages, business loans, cell phone contracts, employment, and more.

If you are approved for loans, you will likely receive higher rates. If you can obtain or rent property, you may need to make security deposits on utilities. Poor credit scores can also impact personal relationships as they add stress. You may start to receive calls from debt collectors, as well.

We Can Help

65 Years' Experience = Solutions = Results

Rebuilding Your Credit Score

One of the best ways to rebuild good credit in Ottawa or Kingston is to apply for a credit card and make timely payments. If your financial issues keep you from obtaining a regular card, then you can apply for a secured credit card that requires a deposit to the issuer – usually for the same amount as the card’s limit. Payments are reported the same way to credit agencies, which can improve your history.


Repairing credit usually takes about six to seven years, whether you have had late payments, repossessions, foreclosures, or other financial trouble. An adverse action letter, if you receive one, can indicate what affected your credit score. But simply rehabilitating your spending and payment habits through credit counselling to correct these issues will help you improve your credit history.

Credit Counselling for Consumers in Ottawa, Kingston & Eastern Ontario

At D. & A. MacLeod, we can review your financial situation and provide recommendations for next steps to get your life back on track. We can meet you in any one of our convenient locations to answer questions you may have about credit counselling in Ottawa, Kingston, Kanata, Brockville, Smiths Falls, Pembroke, Orleans, Cornwall or elsewhere in Eastern Ontario.


Contact us today online or at 613-236-9111 for a free, confidential consultation to learn about your credit counselling options.

Our Company

D & A MacLeod Company Ltd

343 O'Connor St.

Ottawa, ON K2P1V9

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