What We Do (For You)

Consumer Credit Counselling
This program began in 1976 and provides financial counselling and payment plan negotiations with creditors. It is open to everyone, regardless of income and financial circumstances. Both individuals and families with concerns regarding basic budgeting, credit and debt are welcome to use the services.  The counselling program includes in depth financial assessments and a complete review of the options available. We will also provide information and education about finances and managing your money. CFCS offers a licensed Debt Management Program (DMP) to eligible clients where, with creditor agreement, monthly payments may be arranged and interest rates reduced.


Gambling Program
The Gambling Program has been funded by Manitoba Liquor & Lotteries since 2004 and works in partnership with the Addictions Foundation of Manitoba (AFM). The Gambling Program supports individuals and their families struggling with financial concerns as a result of gambling behaviours. Financial counsellors with specialized addiction training provide financial counselling and assessment which includes a review of options for repayment and debt management services. The program receives and makes referrals to addiction support programs including self-help groups, and works closely with those programs to provide integrated services.


Education and Information (Financial Literacy)
CFCS offers information sessions and workshops in basic debt/credit management issues, options for dealing with debt, and resources to community groups, agencies and organizations as well as other companies whose employees/clients might benefit. These sessions may include information on budgeting and money management, as well as other topics related to financial wellbeing. There is no charge for this service for non-profit and community groups.


Community Volunteer Income Tax Program (CVITP)
Since 2009, in partnership with Canada Revenue Agency (CRA) free income tax preparation is offered to all Manitobans who have individual income under $30,000 or family income under $35,000 with no business or investment income. This service is provided by CRA trained volunteers and is available for in-person or drop-off tax preparation. This service is provided at various locations in Winnipeg and throughout Manitoba from March through to the end of April. Please contact us for specific dates, times and locations.


Income Tax Preparation
This was the original service offered by CFCS in 1974. The mandate of Community Income Tax Service was to offer an alternative to the unregulated preparation of income tax returns and excessive ‘discounting’ (where the preparer kept an unreasonable amount of the tax refund) of tax returns. CFCS was part of a community movement to develop legislation to regulate these activities and to set limits on the portion of a tax return that could be kept by a tax preparer. With more low-cost and volunteer tax preparation services in the community, the program has been reduced. CFCS prepares tax returns by referral for EIA clients and those for whom simple tax preparation is a function of their financial counselling.