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Personalized debt and credit counselling services
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If you are struggling with debt or financial hardship in Ontario, Canada, EmpireOne can help.

If you need the education, expertise and plan to live a financially healthy life and prevent future debt issues, EmpireOne is here to help with debt and credit counselling services!

Working with our team, you’ll build financial literacy, learn how to make wise financial decisions, gain a deeper understanding of credit, and develop a plan to achieve your goals.

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EmpireOne Credit Counselling is right for you if;
  • You want to boost your financial literacy and learn how to handle your finances, whether it is credit or debt.
  • You want to avoid falling back into financial issues.
  • You need to develop a budget or financial plan so you stress less about money.
  • You would love to work with a financial guide who offers judgment-free credit counselling.
To learn more about credit counselling and how it can impact your life and finances, set up a free consultation with our team now!
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3 Steps to a Brighter Financial Future
  • Step 1
    We will help you to develop a plan that will fit your needs and meet the expectation of your creditors. Many creditors recognize an effort to make arrangements, through a structured plan like a debt management program and may make concessions such as adjusting your interest rate, reduction in required payments, and debt settlement offers.
  • Step 2
    Analyze your current financial situation by going over a monthly spending plan/budget for your individual profile. This will provide an insight into money inflows and money outflows.
  • Step 3
    Once your finances are stabilized by the immediate measures advised by EmpireOne, we will further educate you about managing your finances in order to avoid the same issues from recurring. EmpireOne will help you to plan for a better financial future.
A Family in the Beach
You Can Overcome Your Credit and Debt Challenges

Nowadays it is very easy to get overwhelmed with debt from credit cards and unforeseen financial circumstances.

However, this does not mean there is no hope or that bankruptcy is inevitable.

Instead, let EmpireOne help you eliminate your financial problems and build up financial skills that will help you prevent future issues with debt. Through one-on-one counselling, you will get helpful, judgment-free assistance with planning to take back your future and avoid making your financial issues worse.

Start taking steps towards your financial health, EmpireOne credit counselling is here to help. Get a free consultation with our team.

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Find out how you can quickly improve your creditworthiness by setting up a free consultation with our team.
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About us

EmpireOne Credit 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. Through credit counselling, 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.

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

Credit counselling is a process where certified credit counsellors help debtors with their debt settlement by providing financial education, budgeting, and guidance in order to reduce and eliminate their debt.

When you decide to go for credit counselling, a certified credit counsellor will go through your entire financial situation. They will figure out all your available options and help you determine the best route forward. They will put you on a debt management plan and give advice about planning, budgeting, and making payments that will help improve your financial situation to prevent it from happening again in the future.

Getting a free consultation by simply talking to a certified credit counsellor won’t affect your credit score. Once in the program, it may bring down your score, depending on what your credit score is currently. Taking control of your finances and paying off your debt will outweigh any temporary dings to your credit score.

In a credit counselling program, you are paying back the full amount of debt owing. There are fees that vary depending on the agency, but there’s typically a set-up fee and a monthly fee based on a percentage of the debt owing, with the additional payments to your creditors.

Credit counselling sessions may vary in length depending on each client’s particular circumstance and the process that needs to be taken. Generally, counselling sessions should last approximately 60 minutes plus.

How much can you save?

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