470 reviews
250 Consumers Road Suite 810 Toronto, ON M2J4V6
Set Yourself up for Future Financial Success
Personalized debt and credit counselling experts.
5.0
375 reviews
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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 Credit is here to help.

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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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 one of our experts.
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3 Steps to a Brighter Financial Future
  • Step 1
    We will help you find out what your financial challenges are.
  • Step 2
    We will help you 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
    We will further educate you about managing your finances by providing you with debt solutions in order to avoid the same issues from reoccurring.
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 us help you to eliminate your financial problems and build up financial skills that will help you prevent future issues with debt. Through one-on-one free consultation, 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 is here to help. Get a free consultation today.

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Consultation Now!
Find out how you can quickly improve your creditworthiness by setting up a free consultation with us today.
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$15,000
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Empireone
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
FAQ
Browse through these FAQs to find answers to commonly raised questions
about credit counselling.

Credit counselling is a process where debt consultant/s 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 debt consultant/s 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 debt consultant/s  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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