Are you having trouble making your monthly credit card payments? Do you—or a friend or loved one—dread answering the phone for fear of another collection call? If so, you’re not alone.

According to a survey conducted for the Global News last year, the average Canadian owes $8,539.50 in consumer non-mortgage debt. Even more troubling, 12 percent report consumer debt above $25,000, and 14 percent are carrying consumer debt between $10,000 and $24,999.

Fortunately, the Credit Counselling Society can help. The non-profit—with offices in Alberta, British Columbia, Manitoba, Ontario and Saskatchewan—has assisted more than 500,000 Canadians with solving their debt problems and improving their finances.