Credit Counselling Ontario

Empower Your Financial Wellness with Expert Credit Counselling Services

Welcome to Maria Rickard & Associates, your trusted source for comprehensive credit counselling services. We understand that navigating the world of credit can be overwhelming, and that’s where our experienced team comes in.

Our tailored approach to credit counselling ensures that your unique financial situation is understood and addressed. Whether you’re looking to manage debt, improve your credit score, or establish healthier financial habits, we provide personalized guidance to help you achieve your goals.

With a commitment to transparency, education, and ethical practices, we empower you with the knowledge and tools needed to make informed financial decisions. Our mission is to equip you with the skills to take control of your financial future.

At Maria Rickard & Associates, our licensed professionals are here to listen, guide, and support you every step of the way. Your financial well-being is our priority, and we’re dedicated to helping you build a strong foundation for lasting financial success.

Ready to take charge of your credit and transform your financial outlook? Contact us today to schedule a consultation and embark on your journey to financial empowerment.


Credit Counselling Services In Ontario

Elevate your financial acumen and shield yourself from debt pitfalls with credit counseling. In Ontario, and across Canada, post-bankruptcy or consumer proposal discharge, credit counseling becomes mandatory, equipping you with essential insights and tools for wiser financial choices.

Untitled (596 x 714 px) (1000 x 667 px) (1920 x 1080 px) (1000 x 687 px) (900 x 800 px) (6)

Our Mission

At Maria Rickard & Associates, our mission is to empower individuals and families across Ontario with comprehensive credit counseling services. We are dedicated to providing personalized financial guidance, enabling our clients to regain control over their financial well-being and create a path towards a brighter and more secure future.
Untitled (596 x 714 px) (1000 x 667 px) (1920 x 1080 px) (1000 x 687 px) (900 x 800 px) (7)

Our Vision

We'll Consult, Chart, and Champion Your Debt-Relief Journey. With a Proven Track Record, We're Committed to Guiding You Towards Wealth Building, Alleviating Financial Strain, and Ensuring a Decision You Can Trust.

100% Success Rate

We will meet with you to discuss your debt-relief options, help you choose the right one, and then work with you to get you on the path to building wealth. We understand the stress associated with financial problems and provide the support needed to make a decision that is right for you.

60+ Years Experience

Maria Rickard & Associates: 60+ Years of Combined Expertise. Experience Financial Transformation with Our Trusted Guidance. Our Small Company, Your Big Advantage.

Highly Recommend

Amidst challenges, your financial well-being is paramount. Rely on our highly recommended dedication to safeguarding you from exploitation. Count on us for unwavering focus on your security, ensuring confident navigation.

Free Consultation

Embark on a Debt-Free Future. Our Ontario Licensed Insolvency Trustees offer a free consultation for a confident financial journey. Rely on our expert guidance and steadfast backing. Schedule now—leave the rest to us.
Who We Are

Choose Maria Rickard & Associates: Your Bridge to Financial Renewal with Expert Licensed Insolvency Trustee Services In Ontario

Our Testimonials

Words of Trust: Stories from Our Satisfied Clients

How Can We Help You?

Discover Frequently Asked Questions from Our Support

Credit counseling and consumer proposals share involvement, yet differ. Credit counseling imparts financial knowledge, fostering well-being.
On the other hand, a consumer proposal legally permits reduced debt repayment within a specified span, typically 5 years.

Credit counseling is recommended for individuals with a favorable consumer-debt-to-income ratio. This process serves a dual purpose: it aids in skillfully navigating your existing debt while also acting as a compass to ascertain whether a consumer proposal or bankruptcy is the optimal course of action for liberating yourself from the weight of debt.

The advantages of these services are particularly pronounced when certain circumstances prevail:

  • You find yourself frequently utilizing cash advances
  • You are applying for additional credit cards
  • You are constantly borrowing money to make monthly costs
  • You are relying on loans
  • You’re unable to pay credit card minimum payment
  • You continue to spend outside your budget
  • You are considering bankruptcy or a consumer proposal

There are many benefits associated with getting credit counseling when you are seeking debt relief. Credit Counselling in Toronto, Ontario can help you to achieve financial ah-ha moments by providing:

  • Personalised counselling from a trained financial professional like the counselors at  Maria Rickard & Associates
  • Lower interest rates on credit card debt
  • Removed late fees & additional charges on debt
  • Reduced total of debt
  • Loans consolidated into one monthly payment for more manageable repayment
  • Tools and resources for better money management
  • Guidance on bankruptcies and consumer proposals

If you are experiencing serious debt problems, contact us to explore your options.
Call Maria Rickard & Associates  +1 (416) 534-2777 or click on the FREE CONSULTATION button at the bottom of your screen to get started.
During the consultation, we will help you identify what your current financial situation is and how best to fix it.

Empathy and Understanding

At Maria Rickard & Associates, our team consists of compassionate counselors who prioritize patience and encouragement. Our unwavering commitment lies in empowering each individual’s financial journey.

Navigating the Overwhelming

Recognizing the overwhelming nature of debt, we’ve created a judgment-free space where we present options and facilitate informed choices. With a goal of financial wellness, the Maria Rickard & Associates team equips you with the tools and resources you need, driven by a genuine desire to help you eliminate debt. Entrusting us as your Licensed Insolvency Trustee guarantees compassionate and informative credit counseling services.

Tailored Approach

Debt management isn’t one-size-fits-all. Our counselors at Maria Rickard & Associates believe in personalized attention. We provide tailored one-on-one sessions, crafting a debt management plan aligned with your unique needs, capabilities, and lifestyle. Our aim is to help you establish achievable goals.

Certified Expertise

Our team is composed of certified insolvency counselors, equipped with the knowledge and experience needed to deliver reliable credit counseling services.

Comprehensive Consultation

Reputable credit counseling agencies offer free consultations to assess your individual requirements. When seeking debt relief and a customized action plan without immediate commitment, rest assured that we provide complimentary consultations. We thoroughly evaluate your current financial situation and explore various options, collaborating with you to chart the most effective path towards debt relief.

Decades of Proficiency

With a proven track record since 60+ years of experience, Maria Rickard & Associates has been effectively guiding individuals towards financial empowerment through credit counseling in Ontario. Our seasoned counselors understand the nuances of bankruptcy and debt management, utilizing their extensive experience to assist you in reducing your debt load.


Get In Touch

Contact Information


1351 Dundas St. W, Toronto, ON, M6J 1Y3

Sault Ste.Marie

123 March Street, Suite 10 Sault Ste. Marie, ON, P6A 2Z5
Have Any Questions?

Send us a message

    To Top