Take Our Debt Quiz
Do you want to understand your financial situation and learn what you need to do next?
How many times do you answer "yes" to the following questions:
Do you frequently pay bills after their due date?
Are you regularly bouncing cheques?
Do you use one credit card to pay the minimum amount due on another card?
Are you receiving calls from collection agencies?
Are you regularly asking friends or family members for loans?
Have your utilities been cut off (e.g. telephone, hydro, cable)?
Have you cut back on regular budget expenses (e.g. clothing, recreation) and/or necessities (e.g. food)?
Are you considering taking a second job in order to help pay bills?
Are you continuously going over your credit card spending limit?
Do you use credit cards as a necessity rather than convenience?
Have your wages been garnished to pay for an outstanding debt?
Are you only able to pay interest, not reducing your total debt over a number of months?

Your Results

9 yes

While the situation may not be urgent, your debt situation may be getting out of control. Now is the time to take advantage of EmpireOne’s Credit Counselling services to see if you can improve your financial reality.

Thinking about finances has taken over your life and your stress levels are sky high. You would undoubtedly benefit from EmpireOne Credit’s Counselling services to look toward next steps and ultimately improve your credit.

Your debt has spiraled out of control. Call EmpireOne today to set up a free consultation. Together, we will go over your current financial state and determine next steps.

You have been thinking a lot about declaring bankruptcy because the situation seems so serious. Despite uncontrolled debt, EmpireOne Credit Counselling can help you navigate.

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