Credit Counselling in Ottawa, Eastern Ontario, and virtual locations throughout Ontario
Serving Ottawa, Kingston, Brockville, and the Surrounding Areas
At D. & A. MacLeod Company Ltd., we understand that re-establishing your credit after bankruptcy, delinquent payments, high debt, or having no credit can feel like a high-stakes guessing game. Our experienced financial advisors specialize in credit counselling in Ottawa and throughout Eastern Ontario, taking the guesswork out of rebuilding credit and achieving real results.
When it comes to credit debt counselling in Ottawa, Kingston, Brockville, and surrounding areas, our longstanding reputation speaks for itself. With convenient locations in your neighbourhood, it's easier than ever to get the right advice for your financial situation. Through our time-tested methods and compassionate staff, D. & A. MacLeod Company Ltd. is committed to helping you start fresh and achieve lasting financial stability.
CREDIT DEBT COUNSELLING FOR OTTAWA, KINGSTON AND EASTERN ONTARIO
Credit counselling is valuable for those who have noticed their spending habits negatively impacting their lives and are concerned about their financial future. Our Licensed Insolvency Trustees (LITs) have the expertise to provide comprehensive financial advisor debt counselling in Ottawa and across Eastern Ontario.
During a credit debt counselling session, our financial advisors will help you:
Establish a realistic budget to meet monthly expenses
Analyze potential lifestyle alternatives to reduce the impact of your spending
Set short-term and long-term financial goals
Prepare informal arrangements with your creditors if necessary
WHEN SHOULD YOU SEEK CREDIT COUNSELLING?
It is recommended that you seek credit counselling when you need advice on managing your money, or when you are seeing that your debt repayments are negatively affecting your ability to pay for your monthly expenses.
Some of the biggest signs of budget stress that can be helped through credit counselling include:
​ 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
​ High interest rates are making it difficult to pay off your debts
​ You have been denied a loan or line of credit due to high rotating balances
​ You have a high debt-to-income ratio
​ You are not making progress in meeting 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.
THE BENEFITS OF FINANCIAL ADVISOR DEBT COUNSELLING
Seeking professional credit debt counselling in Ottawa offers numerous advantages. Our experienced financial advisors provide expert guidance to help individuals navigate a wide range of financial challenges. We offer personalized solutions tailored to your unique financial situation and goals, ensuring you receive the most effective strategies for managing and reducing debt. Through our services, you can improve your financial literacy by gaining valuable insights into budgeting, saving, and responsible credit use. Additionally, addressing your financial concerns with professional support can significantly reduce stress and contribute to overall well-being.
WHY A GOOD CREDIT SCORE IS IMPORTANT
While you may not presently see the downside of poor credit, the next time you apply for a car loan, insurance, mortgage, business loan, cell phone contract, or even a job, you may find yourself locked out of an opportunity and/or financing. Even if you are approved for a loan, your poor credit score may make it difficult to repay it due to higher interest rates. And, when renting property or signing up for utilities, you may be asked to pay a security deposit to secure the rental contract. Poor credit scores can also impact personal relationships as they add stress. You may start to receive calls from debt collectors, as well.

REBUILDING YOUR CREDIT SCORE
One of the best ways to rebuild good credit 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.
FREQUENTLY ASKED QUESTIONS
-
1. What general and personal information do we gather about you?D & A MacLeod Company Ltd just collects your personal information for your purchase delivery and confirmation and we will collect your IP address to protect your benefit against credit fraud and spiteful registration.
-
2. How is the information used?D & A MacLeod Company Ltd uses your information to monitor general use of our service and to provide personalized service to you and to better serve you, our advertisers and our sponsors. For example, we may use the personal information that you have provided us to send an email in response to a question that you have asked. We won't send your advertisement to us through email without your permission. The general information that we gather about you is aggregated with general information of all users to help us better understand how our service is used. In addition, we aggregate the general information and the personal information. We compile and analyze this aggregated information so that we can provide more meaningful information to advertisers and sponsors and more relevant content and advertisements to you.
-
3. With whom do we share the information?D & A MacLeod Company Ltd will not use or disclose your personal information with any third party without your prior express consent except (i) as necessary to provide the Site, (ii) as required by law, governmental authority or court orders, (iii) in order to cooperate with law enforcement authorities or governmental regulatory bodies or (iv) as we deem necessary to enforce our rights under this Privacy Policy. We may ask your permission to release your personal information to a third party. If you consent to such a release, then that third party will have access to your information. If you do not consent, then we will not release your personal information to that third party. We may contain links to other sites from our website. D & A MacLeod Company Ltd does not control the content or practices of any other site, including what information those sites collect about you. Although we try to link only to reputable companies, we do not control the privacy policies of any web site other than ours and we do not hold ourselves responsible for the privacy policies of any site that you may link to from our site. In addition, you may choose to respond to advertisements that are posted on our web site or to direct marketing offers from third party sponsors or advertisers. We do not control the content or practices of our sponsors or advertisers and, accordingly, we do not hold ourselves responsible for the privacy policies of any third party sponsors or advertisers who may collect information about you. D & A MacLeod Company Ltd cooperates with law enforcement agencies to identify those who use our services for illegal activities. D & A MacLeod Company Ltd reserves the right to release information to law enforcement agencies about our registered users or any user of our Site who we believe is in violation of applicable law, even without a subpoena, warrant or court order. We also reserve the right to report to law enforcement agencies any activities that we reasonably believe may be unlawful.
-
4. What are "cookies" and how are they used?A cookie is a very small text file placed on your hard drive by a web server. We use cookies for a variety of reasons. For example, a cookie may be used to identify each user who accesses our Site and to obtain session information for users of our Site. We may use this information to deliver a more personalized service to our users. In addition, cookies allow advertisers and merchants to track responsiveness to their marketing efforts and to process transactions at their online stores. Thus, we allow advertisers or partners to set cookies, but only if they agree to comply with our privacy policy. Please note that, in addition to allowing you to accept all cookies, your internet browser software may also allow you to be warned before accepting a cookie or to reject all cookies. Our Service is dependent on the acceptance of cookies by our customer. Therefore, if your browser is not set to accept cookies, you may experience problems using our Service and will not be able to use all of the services offered on our Site.
-
5. Amendments to our Privacy PolicyWe may, from time to time, amend our Privacy Policy. If we do, then we will post such amendments to this document so that you may always have access to our most recent policy. We reserve the right, at our discretion, to change, modify, add or remove portions of our Privacy Policy at any time and from time to time. This Privacy Policy has not been modified since its original posting date of May 1, 2013.
-
6. Acknowledgment and acceptance of our Privacy PolicyYour use of D & A MacLeod Company Ltd is subject to this Privacy Policy and by using the Site and/or registering as a user on the Site, you affirmatively agree to all terms of this Privacy Policy. Your continued use of the Site constitutes your continued agreement to the terms of this Privacy Policy. If you do not agree with the terms of our Privacy Policy, then you are not permitted to use the Site and if you have provided personal information to us via the Site, then we ask that you remove your personal information, as described in paragraph five above. If you have questions concerning our privacy policy, please direct them to our Privacy Officer.

CREDIT COUNSELLING IN OTTAWA, KINGSTON & ACROSS EASTERN ONTARIO
At D. & A. MacLeod Company Ltd., we can review your financial situation and recommend the next steps to get your life back on track.
With our virtual appointments, you can connect with us from anywhere, or visit one of our convenient locations in Ottawa, Kingston, Brockville, Smiths Falls, Pembroke, Cornwall, or elsewhere in Eastern Ontario to get answers to your credit counselling questions.
Contact us online or call 613-655-9917 for a free, confidential consultation to explore your credit counselling options.
MORE CREDIT CARD ADVICE
Read our blogs for more advice and information regarding credit scores, credit ratings, repairing credit, your habits and more!