Credit counseling service. Out-of-control debt and other financial worries are stressful. These things damage our life and the lives of people around us. Financial worries can affect mental health, cause trouble in relationships and complicate minor life events. But it doesn't have to be like that! Help is available with people who understand and who specialize in managing debt. At Credit Counselling Services of Newfoundland and Labrador we'll work hard to make things better for you financially. Our professionally trained credit counselors will deal with your financial concerns and help you find opportunities for positive change.