Community Financial Counselling Services, Inc. (CFCS) is a non-profit, United Way member agency. We are a credit counselling agency that can help you get a handle on your debt with a plan that works for you. There are no hidden agendas – we are a publicly-funded, non-profit – that means we don’t need to profit from your debt management plan. We tell you everything you need to know up front in your orientation session or at your first one-on-one meeting with us. *Our counselling services are free of charge. more... See more text