The association has a list of qualified credit counsellors and agencies from across Ontario. Credit counsellors at not-for-profit agencies help people who are in debt and have problems paying their bills. They help people review their finances, make a budget, deal with creditors, and improve their credit record.

Credit Counselling Canada has an online tool to help you search for certified credit counsellors and agencies by postal code. Credit counsellors at not-for-profit agencies help people who are in debt and have problems paying their bills. They help people review their finances, make a budget, deal with creditors, and improve their credit record.

The Law Society of Ontario has on online Law Society Referral Service that gives you the name of a lawyer or licensed paralegal who will give free legal advice for up to 30 minutes in any area of law.

If you can’t wait for a legal representative to call you back, or if you don’t have a call-back number, email lsrs@lso.ca. Or, if you’re in crisis or in custody, call 1-855-947-5255 or 416-947-5255, Monday to Friday, between 9 a.m. and 5 p.m.

The Ontario Legal Information Centre offers a free 30-minute meeting with a lawyer to anyone in Ontario, online or by phone in English or French. They provide legal information on any legal topic, and referrals to services.  Book a meeting online or call 1-844-343-7462 if you need help.