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  solution for their debt and credit challenges. At Transcending Limitations Credit and Debt Counseling, we recognize that every financial situation is different, so improving your financial outlook requires a customized plan specifically designed for you. Our New Beginnings programs offer you options to build a better credit future so you can reach your financial goals.

The Senior Financial Analysts who work with Transcending Limitations Credit and Debt Counseling are experts in their industry and maintain decades of combined experience in consumer finance. We have established relationships with organizations throughout the finance industry, this allows us to custom tailor financial solutions to your needs. To achieve your financial dreams, a Senior Financial Analyst assesses your situation and provides you with an unbiased solution to help you create your own New Beginnings program.

Whether you need help eliminating debt, rebuilding your credit, finding affordable home financing options, or just improving your household budget, we have the resources to help.Contact Us Today

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To see how we can help improve your financial future.Contact Us Today!

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We have helped thousands of Canadians, reduce and eliminate their debts. Contact us now for an hour of complementary consultation.

TLC Credit and Debt Counseling

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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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