470 reviews
250 Consumers Road Suite 810 Toronto, ON M2J4V6
Quick debt relief in Whitby
Minimize your debts into a single reduced monthly payment plan with zero interest.
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You can one day be debt-free with the help of EmpireOne Credit. Fill out and submit the "Get A Free Consultation" form. All information you submit is always kept confidential. We want you to feel confident in your options and reduce your fears and frustrations as you move towards financial freedom.

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We Can Help With
  • Loans and Line of Credit

    Late or non-payment of a loan or line of credit can poorly reflect on your next loan application. We can help you with our debt relief solutions in Whitby.

  • Credit Card Debt

    Credit card spending may have increased lately due to the decrease of income. If you are unable to pay credit card bills, we can help you with a debt consolidation solution.

  • Payday Loans

    Payday loans are attractive but have very high-interest rates. We can help you with a debt relief solution in Whitby or anywhere in the Greater Toronto Area.

  • Tax Debt

    Owing tax debt to CRA can cause a lot of financial problems and legal implications. Get advice from our debt consultants  to obtain a solution that is best for you.

  • Collection Calls

    Hounded by collection calls? Non-payment often brings unwanted collection calls or collection notices to your door. We can help you get through this sticky situation and provide you with debt relief you deserve. Ask us what options are available.

  • Wage/Bank Account Garnishment

    If you currently have a creditor threatening to garnish your wages or bank account, EmpireOne Credit can provide an effective debt relief solution in Whitby to prevent the situation from getting worse.

A Family in the Beach
About us

EmpireOne Credit Solutions is dedicated to helping clients in the Greater Toronto Area who are struggling with debt and financial hardship. EmpireOne Credit’s passion is derived from the knowledge that the situation isn’t always as bad as it seems. EmpireOne guides their clients toward the best options possible, whether that is a debt consolidation, a consumer proposal or declaring bankruptcy.

Regardless of the path taken, EmpireOne Credit is proud to help clients every step of the way.

Call Us For A Free Consultation

(416) 900-2324
Browse through these FAQs to find answers to commonly raised questions about
debt consolidation.

Debt consolidation is a form of debt refinancing, taking one loan out to pay off many others. It doesn’t erase the original debt amount, but transfers the amount to a different lender or type of loan. Multiple debts are combined into one, with one monthly payment that includes a lower interest rate, making this easier to pay off the debt consolidation sooner. Debt consolidation is used as a tool to deal with student loan debt, credit card debt, and other liabilities.

Debt Consolidation is a personal loan you apply for in an amount that will pay off all or some of the existing debts that you wish to get paid. The lender will review your credit and verify your income to ensure your qualification. Once the lender approves your loan, the interest rate will be set based on your credit score. The money from the loan will be used to pay off all or some of your existing debts. It can make your life easier as you only have to repay the consolidation loan with a one monthly payment.

Debt consolidation involves taking out one big loan to pay off many small loans while in a consumer proposal, it takes care of all unsecured debts, reduces the debt amount, and having to pay only one low monthly payment, stopping all interest.

While debt consolidation lowers or eliminates your debt, it has a positive impact on your credit score, too. Beyond helping you reduce your number of monthly payments into one payment that is more manageable to keep you on track by not missing any payments that helps to build your credit score.