In particular, he is concerned that many
of the credit counselling agencies in Canada are self - regulated and that this is not rigorous enough in terms of the individual credit counsellor's training and qualification.
Cardholders should choose a credit counseling agency that is a member of the largest and most esteemed
networks of credit counseling agencies, namely the Association of Independent Consumer Credit Counseling Agencies (AICCCA) and the National Foundation for Credit Counseling (NFCC).