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BBB Reliability Report for

Credit Counselling Society


A BBB Accredited Charity since 01/01/1996.


This BBB Accredited Charity meets all 20 Standards for Charity Accountability and is a Seal Holder.
BBB issues Charity Reports on all organizations, whether or not they are BBB accredited. If an organization is a BBB Accredited Charity, it is stated in this report.
Name: Credit Counselling Society
Phone: (888) 527-8999
Address: 440-88 Sixth St
New Westminster, BC V3L 5B3
Website: www.nomoredebts.org
www.mymoneycoach.ca
Report Creation Date: April 17, 2012
Report Expiration Date: December 6, 2019
Original Business Start Date: January 1996
Principal: Scott Hannah, President & CEO
Customer Contact: Scott Hannah, President & CEO
Type of Business: Charity - Local, Credit & Debt Counseling, Debt Relief Education, Referral - Debt Relief Services
BBB Accreditation: This organization is a BBB Accredited Charity.

Additional DBA Names

Credit Counselling Society of British Columbia
Credit Counselling Society (Edmonton)
Credit Counselling Society (Calgary)
Credit Counselling Society (New Westminister)
Credit Counselling Society (Surrey-Guildford)
Credit Counselling Society (Delta-Surrey)
Credit Counselling Society (Vancouver)
Credit Counselling Society (Kelowna)
Credit Counselling Society (Victoria)
Credit Counselling Society (Nanaimo)
Credit Counselling Society (Winnipeg)
Credit Counselling Society (Ottawa)
Credit Counselling Society (Regina)
Credit Counselling Society (London)
Credit Counselling Society (Toronto)
Credit Counselling Society (Hamilton)
Credit Counselling Society (Burnaby-Vancouver)
Credit Counselling Society (Port Coquitlam)

Stated Purpose

We Help. We Educate. We Give Hope.


Evaluation Conclusions

This organization has been evaluated according to the 20 BBB Standards for Charity Accountability. This organization meets all those Standards and is a BBB Accredited Charity.


BBB Charity Seal Participation

Charities that meet the Standards for Charity Accountability are eligible to participate in BBB Wise Giving Alliance Charity Seal program. The seal, which can be displayed on the charity's web site and in printed materials, helps inform the public that the charity meets these standards. This organization participates in this program.


Programs

The Credit Counselling Society is a licensed and bonded non-profit organization dedicated to helping individuals and families resolve their debt and money problems and get back in control of their finances through: one on one credit counselling, personal budgeting guidance, educational workshops and debt repayment programs and alternatives.

Total Program Expenses:$8,662,568

Governance

Chief Executive Officer:Scott Hannah
Chair of the Board:Tom Aquiline
Board Size:6
Paid Staff Size:101 Full Time. 1 Part Time.

Fund Raising

Method(s) Used:Funds are raised by donations.


Tax Status


Financial

According to Credit Counselling Society's Audited Financial Statements for the year ended December 31, 2015:

Income
 Credit donations$8,391,273
  Debt management contributions$2,757,480
  Insolvency counselling fees$90,440
  Other income$69,419
  Other donations$57,583
 Total Income:$11,366,195
 
Expenses  % of total
Expenses
 Programs:$8,662,568 79.50%
 Fund Raising:$68,633 0.63%
 Administrative:$2,164,757 19.87%
 Other:$0 0.00%
 Total Expenses:$10,895,958
 
Excess of Income over Expenses$470,237
Ending Net Assets:$4,920,034

* Excess for the year indicates the portion of income remaining after expenses.


Complaints

BBB processed a total of 2 complaints about this organization in the last 36 months, our standard reporting period.

Contract Issues
 1  The organizations addressed the complaint issues brought to its attention
 
Service Issues
 1  The organizations addressed the complaint issues brought to its attention
 

Charity Licensing

Revenue Canada Registration # 89469 0890 RR0001

Credit Counselling Society is a registered charitable organization and is therefore authorized to issue receipts for tax reduction.


Additional Contact Information

Additional Addresses
610-10216 124th St. NW
Edmonton, AB  T5N 4A3
Canada
Tel: (780) 701-0083

226-1935 32 Avenue NE
Calgary, AB  T2E 7C8
Canada
Tel: (403) 263-9905

201-15399 102A Ave
Surrey, BC  V3R 7K1
Canada

495-1140 West Pender St
Vancouver, BC  V6E 4G1
Canada

290-800 Hornby St
Vancouver Justice Access Centre
Vancouver, BC  V6Z 2C5
Canada
Tel: (604) 527-8999

209-2316 McCallum Rd
Abbotsford, BC  V2S 3P4
Canada
Tel: (604) 859-5757

230-1855 Kirschner Rd
Stewart Centre Building
Kelowna, BC  V1Y 4N7
Canada
Tel: (250) 860-3000

214-1175 Cook St
Victoria, BC  V8V 4A1
Canada
Tel: (250) 382-9559

203-335 Wesley St
Nanaimo, BC  V9R 2T5
Canada
Tel: (250) 741-8558

611-428 Portage Ave
Winnipeg, MB  R3C 0E2
Canada
Tel: (204) 942-8789

514-130 Albert St
Ottawa, ON  K1P 5G4
Canada
Tel: (613) 234-0505

322-845 Broad St
Regina, SK  S4R 8G9
Canada
Tel: (306) 525-6999

906-20 Hughson Street South
Hamilton, ON  L8N 2A1
Canada
Tel: (905) 538-5035

651-380 Wellington St, Tower B
London, ON  N6A 5B5
Canada
Tel: (519) 286-0801

425 Bloor Street East, Suite 520
Toronto, ON  M4W 3R4
Canada
Tel: (647) 776-0485

Suite 2300, 2000 Building 2850 Shaughnessy St
Port Coquitlam, BC  V3C 6K5
Canada

300-3665 Kingsway
Vancouver, BC  V5R 5W2
Canada

212-2366 Avenue C North
Saskatoon, SK  S7L 5X5
Canada
Tel: (306) 500-8104

77 City Centre Drive, Suite 501, East Tower
Mississauga, ON  L5B 1M5
Canada
Tel: (647) 776-0485

200-6005 Gateway Blvd
Edmonton, AB  T6H 2H3
Canada
Tel: (780) 701-0083

206 â 20641 Logan Ave
Langley, BC  V3A 7R3
Canada
Tel: (604) 527-8999


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Industry Tips

Charity

Tips for Giving

Most charities are honest and ethical, but questionable solicitors are counting on the fact that you won't bother to check out the charity before you give. Here is some basic wise giving advice:

1. Watch out for similar names. As there are many charities raising funds for similar causes, some charity names sound the same. Be sure to look at the name carefully, because the charity soliciting you may not be the one you have in mind.

2. Do not be pressured to make an immediate gift. Be wary of solicitors that demand an "on the spot donation." Charities should welcome your gift whenever you want to send it.

3. Question vague appeals. Appeals should clearly identify the charity's programs. Watch out for appeals that are strong on identifying a problem, but weak on describing what specifically the charity intends to do about it.

4. Do not give out personal information to phone solicitors. Don't give out credit card numbers, chequing account numbers, or any other personal information to unknown telephone solicitors.

5. Do not give cash. Write out a cheque to the charity's full official name, not to an individual or third party that may be collecting the donation.

6. Keep records of your donations (receipts, cancelled cheques and bank statements) so you can document you charitable giving at tax time.

7. If you want a deduction, make sure the organization is a charity. There are many different types of soliciting nonprofit organizations. Most appeals will indicate if the organization is eligible to receive gifts deductible as charitable donations. (To be sure, review the list of organizations on file with the Canada Revenue Agency or ask the charity for a copy of its registration number.)

8. Don't hesitate to ask the charity for written information on its programs and finances. This tip can be particularly helpful in responding to phone appeals form charities that interest you.

9. To verify if a charity is registered to solicit, contact your provincial government. In most cases, this will be the office of the Public Guardian & Trustee or the Canada Revenue Agency. Remember that provincial registration does not mean "approval," it means the group has filed the appropriate forms.

10. Report bad practices. Contact you Better Business Bureau.


ID: 1052051
Report as of January 18, 2017 03:46
Copyright© 2017 Better Business Bureau


An organization may change its practices at any time without notice. Donors must decide for themselves the significance of any variation from BBB Standards, taking into account the relative importance of the practice in question in the context of the organization's total performance.

This report reflects the results of an evaluation of informational materials provided voluntarily by the organization. The report is not intended to recommend or deprecate, and is furnished solely to assist you in exercising your own judgement.

This report is not to be used for fund raising or promotional purposes.


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BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.

BBB Business Reviews generally cover a three-year reporting period. BBB Business Reviews are subject to change at any time.