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Who Are We?
We are national advocates for consumers who are dealing with debt and credit issues. We are dedicated to protecting and assisting Canadians by ensuring that they maintain a sense of dignity. Transcending Limitations Credit and Debt Counseling is a National Debt and Credit Resource Centre, dedicated to protecting and assisting Canadians to find the right  … Read more
Benefits Of Using TLCdebthelp Stop collection calls Legal action from creditors and revenue Canada Stop wage garnishment Protecting your assets – home, car, rrsp’s, pensions Stop high interest rate on credit cards Interest free affordable monthly payments Save on interest payments   Step 1: Speak with an expert Your New Beginning starts with a free, … Read more
Goal Setting Download Goal Setting Form The Importance of a Good Credit Rating The Importance of a Good Credit Rating Financial Fitness Quiz Download Financial Fitness Quiz Assessing Your Financial Fitness
What is a Budget?
What is a Budget? Budgeting and money management are key to making good financial decisions and achieving your financial goals.  Most people know how much money they make, but find it hard to keep track of where their money is going or how much their debt costs them every year. Making a budget is a … Read more
Tips to Getting You Started
1. Get organized Record all of your spending so you know where your money goes and where you can cut spending. Fact: spending $2.50 a day on coffee costs you $912.50 a year   2. Identify your short-term and long-term goals, and build saving for them into your budget For example, a short-term goal could … Read more
Explanation of Budget Terms
Developing Smart Goals
Specific The first criterion stresses the need for a specific goal rather than a more general one. This means the goal is clear and unambiguous; without vagaries and platitudes. To make goals specific, they must tell a team exactly what is expected, why is it important, who’s involved, where is it going to happen and … Read more
Download 50/30/20 Budgeting
Your 50/30/20 Budget
Not Only will this budget help you to live within your means; it also helps you to figure out exactly what your “means” This budget is touted by financial experts like Harvard’s Elizabeth Warren and MSN Money’s Lis Pulliam Weston, and for good reason… IT WORKS! Needs/Wants/Savings Think of your total monthly income as a … Read more

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Contact Details

TLC Credit and Debt Counseling


105 Consumers Drive

Whitby, Ontario

L1N 1C4

TLC Credit and Debt Counseling is committed to respecting the privacy of individuals and recognizes a need for the appropriate management and protection of any personal information that you agree to provide to us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request.

We are not a Bankruptcy Trustee, or Not-for-Profit Credit Counseling Agency, nor do we make any claims to be. We do not take, accept or collect monthly payments in order to settle your debts with your Creditors. We are advocates for the Consumer providing professional advice, information, solutions and programs for the benefit of the Consumer. 

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