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10 resources to better understand credit

Co-opme offers you a wealth of information, action plans and tips to help you use credit wisely and take control of your debts. Here's a list of 10 other credible resources offering information and advice on the world of credit and how to get out of debt.

  1. There are ACEF (Associations coopératives d'économie familiale) and Services budgétaires et communautaires organizations located in all regions of Quebec. These organizations offer budgeting courses at minimal cost to help you get out of debt.
    • See the Canadian Consumer Handbook website for a list of consumer assistance organizations available in each province.
    • The CACQ (Coalition des associations de consommateurs du Québec) groups 21 ACEF and Services budgétaires outlets. See the list of members: Liste des membres (site in French only).
    • Union des consommateurs provides support for people dealing with credit (site in French only).
  2. Option Consommateurs provides downloadable brochures on credit and mortgage financing:
  3. CACQ. The site of the Coalition des associations de consommateurs du Québec (site in French only), a consumer association coalition, offers several articles and questionnaires on credit.
  4. Office de la protection du consommateur (OPC). The OPC website has a goldmine of information on your rights and responsibilities regarding credit.
  5. Up to your neck in debt. The Coalition des associations des consommateurs du Québec (CACQ) coordinates this site that aims to educate young people about credit.
  6. Éducaloi. The Éducaloi concept was designed by the Québec Bar, Chamber of Notaries, and the Société québécoise d'information juridique. It serves up legal information in simple, everyday language. The section on credit includes a number of subjects, such as:
  7. The Office of Consumer Affairs (OCA) of Industry Canada is a one-stop online information site to help you better manage your debts. You'll find information on the following topics:
  8. Financial Consumer Agency of Canada. This federal organization was created to provide information and protection for consumers of financial products and services. The site is full of detailed sections on how to better manage your credit and debts, including:
  9. Office of the Superintendent of Bankruptcy Canada. This federal agency oversees the administration of bankruptcy cases, commercial reorganizations, consumer proposals and receiverships under the Bankruptcy and Insolvency Act. In the section on Resources for debtors, you can find the following:
  10. Canada Mortgage and Housing Corporation. The CMHC is the national body responsible for housing in Canada. Its website contains an article for consumers who have difficulty paying their mortgage:

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