Money Mentors is an Alberta-based non-profit credit counselling agency. They offer services like debt consolidation, the Orderly Payment of Debts (OPD) program, credit counselling, money coaching, and financial education[1][2]. Their target audience includes Albertans struggling with unsecured debts, such as credit cards and tax debt[1]. The unique selling proposition is the OPD program, which allows debt consolidation with a fixed 5% interest rate, enabling individuals to become debt-free within five years while retaining assets[1][5]. This program is a legally binding alternative to bankruptcy, providing a structured repayment plan and protection from creditor actions[1].