468 reviews
250 Consumers Road Suite 810 Toronto, ON M2J4V6
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Explore your options to become debt-free

Our debt experts can help you navigate your best options to get out of debt. Credit Counselling, Debt Consolidation, Consumer Proposal and Bankruptcy can all be solutions to become debt-free

Credit Counselling

Our debt experts can help you with debt options by providing financial education, budgeting, and guidance to help you reduce and eliminate your debt. We can help you fix your bad credit and get you on a path to be debt-free.

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Debt Consolidation

Debt consolidation is a form of debt refinancing, taking one loan out to pay off many others. Combining multiple debts into one monthly payment with a lower interest rate, can make it easier to pay off the debts quickly

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Consumer Proposal

If your debt is increasing and you’re trying to avoid bankruptcy, a consumer proposal may be for you. This option can reduce your debt by up to 80% and stop all interest, with a low monthly payment plan.

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Bankruptcy is a legal option to discharge unsecured debts to help you get a fresh start with your finances. This can often be the last resort if no other debt management solutions have worked for you.

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We can help you with the following

Learn how to make wise financial decisions, build financial literacy, gain a deeper understanding of credit, and develop a plan to achieve your goals.

Credit Card Balances

Are you struggling with credit card debt? Barely making the monthly minimum payments?

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Payday Loans

Trapped in a cycle of debt with payday loans? Let us help you break the cycle of high-interest.

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Business & Income Tax Debt

Dealing with CRA tax debt can be overwhelming and very stressful! We can help.

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Overdraft and Lines of Credit

Stuck with high fees, penalties, and interest from the bank? Let us help you.

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Personal Loans

Stuck with high-interest rate loans, and struggling to make payments on time? We can explore the best option.

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407 Debt, Phone Bills and/or Utility Bills

Are you behind on bill payments? Our customized debt-relief solution can help.

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We help individuals and families get a fresh start

A free consultation with EmpireOne is the first step to financial
freedom. We have the expertise to help you overcome all unsecured debt. If you are;

  • Struggling to make payments on time
  • Overwhelmed with debt and bad credit
  • Stressed with collection calls and
    garnished wages

We can help you get debt relief that you deserve.

Get A Free Consultation

How can we help you?

3 Simple Steps in Achieving Your Financial Freedom

With the help of EmpireOne Credit, our team will guide you with professional advice, suggestions and customized solutions to help you decide on an option to eliminate your debt that brings you total peace of mind.


Set up a free

Dealing with debt is stressful! We are dedicated to offering our clients expert advice, with friendly non judgemental consultations. It is a FREE consultation, no up-front fees, so nothing to lose. Get professional advice you deserve!


Explore your

Our team of experts will work with you to personalize a debt-relief plan that is a custom fit to your needs. Eliminating your stress and worry. Know your options!


Support you on your journey to be debt-free.

We are there with you, every step of the way, giving you, your own personal expert counsellor to guide you from the beginning to the end, relieving you from your debt as quickly as possible!

We have saved Canadians $300 Million and counting

We have serviced 5,000+ Satisfied Clients

We are Canada

One - Stop Solution For All
Your Debt Counselling Needs

With the help of our expert counsellors, EmpireOne Credit provides credit debt help solutions to our clients and help them save thousands of dollars that could be lost as a result of declaring bankruptcy.

The Answer to all your financial needs
Credit Counselling

The Answer To All Your
Financial Needs

At EmpireOne Credit, our expert credit counsellors will guide you through the process with professional advice, suggestions, and solutions that brings you total peace of mind.

Credit Counselling

Set Yourself Up For Financial Success

EmpireOne Credit Solutions is here to help. We have the expertise to help you live a financially viable life without having future debt issues.
Get Your Free
Consultation Now!
Find out how you can quickly improve your creditworthiness by setting up a free consultation with us today.
How much debt are you in?
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We've Helped Over 5,000 Canadians Save
Millions Of Dollars In Debt

EmpireOne is a true blessing and the light to my path in my darkest moment of my life due to so many credit issues, they knew how to help me out. They have simple solutions that you can afford and amazing people to answer all my concerns.

Katy Bant

I can attest this company will solve all of your problems with your finances, with their affordable options. They are very professional and responsive to clients as well. Thanks for the help.

Tricia Galivo

This company has the best team. They helped to assist me all the way with the process. Thank you so much, guys! More power to you.

Ephraim Butch

I am pleased to say that I am debt-free now. This was made possible with the help of a fantastic company, thanks EmpireOne.

Joseph Wald

I will give this company a 5-star rating because they truly have excellent customer service and they genuinely help people overcome debt issues. 5 ***** all the way and I genuinely thank you for helping me.

John Brooker

Contacted this company because of my friend's recommendation. I was skeptical at first, but when I started to open up about my financial issues, they proved me wrong. I was treated with professionalism and great service by their team who is knowledgeable with their job. This company will definitely help you with your financials. Great job to all of the staff.

Arturo Sutton

All I can say is BRAVO, this company is perfect for all of your credit issues. EmpireOne helped me a lot. Now, I can say freely I am debt-free.

Archie Tulero

I experienced countless sleepless nights because of the stress with my finances and personal issues. EmpireOne gave me the peace of mind I needed and helped me a lot to handle my finances. Big thanks!

Chic Lucero

Latest Blog & Articles

EmpireOne Credit Solutions is here to help. We have the expertise to help you live a financially viable life without having future debt issues.


Who is Required to File an Income Tax Return in Ontario?

In Canada, everyone should file an income tax return every year. This obligation extends to individuals who live in Ontario…

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CRA Collection Letters for CERB Ineligibility or Overpayment: Can You File Bankruptcy?

The Canada Emergency Response Benefit or CERB helped many people in the pandemic bridge the gap between their wages and…

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Do Banks Accept a Consumer Proposal?

If you’re having trouble paying your debts, you usually have two choices - a consumer proposal or bankruptcy. A proposal…

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The Importance of Filing Taxes Each Year?

Most people dread tax season. You might think that filing your taxes is a hassle, and it's easy to feel…

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Aside from the Rate, What Should you Look for in a Mortgage?

Most people focus on the rate when shopping for a mortgage and forget about other important factors. While the rate…

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What Causes Bankruptcy and How Does it Happen?

No one wants to file bankruptcy, but sometimes it’s outside of your control. Understanding the causes of filing for bankruptcy…

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How much can you save?

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