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 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.

The Law Society of Ontario has an 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 cannot wait for a lawyer or paralegal to call you back, or if you do not have a call-back number, email lsrs@lso.ca. 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. The centre provides legal information on any legal topic, and referrals to services. Book a meeting online or call 1-844-343-7462 if you need help.

If you live in the Ottawa or Champlain region and have a disability, ABLE2’s Reach Legal Referral Services may be able to help. They can refer you to a lawyer or paralegal for up to 3 hours of free legal advice in any area of law. But they cannot help with urgent legal issues.

If ABLE2 cannot help, they may refer you to community resources.

Book a meeting online, or call 613-761-9522 extension 452 or 453. You can also email reachlegalreferral@able2.org.