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Amount of Unsecured Debt?
$5,000
$250,000
Amount:
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  • Reduce it to $8,750
  • Your monthly payments will be $146 for 5 years.
  • Interest will be zero
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*Final results may vary based on family income and assets.

*Please note that this service is only available in Toronto and surrounding areas only.
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$1000
$1,000,000
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$1,000,000
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You can one day be debt free with the help of EmpireOne credit. Fill out and submit "Get a free quote" 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.

Credit & Debt Counselling in Toronto and Surrounding Areas

Everyone thinks that credit counselling is debt consolidation. In reality, credit counselling is about financial literacy, making wise decisions, planning a better financial future, and having a plan to achieve your goals.

Credit & Debt Counselling
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.
Credit & Debt Counselling
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.
credit counselling services
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.

It Is Possible to Overcome Your Credit Issues

Everyone falls prey to debt. With increased spending patterns and credit facilities people often end up burdened with heavy debt, but that does not mean that declaring bankruptcy is the only way out. We can assist you in eliminating your credit problems and rebuild your credit. EmpireOne suggests that the first step to rebuilding credit is to limit your credit card transactions – this is where debt counselling services will help to steer you out of the debt crisis.

Rebuilding credit after just coming out of bad debt could become challenging, to say the least.

With extensive experience helping credit card users with their increasing credit problems, we provide tailored credit counselling services that help rebuild credit, slowly but consistently and gradually. You can also opt for a consumer proposal or claiming bankruptcy, which has its own benefits. Whatever you choose, our qualified credit counsellors make sure you receive the best advice EmpireOne has to offer.

 

Credit Re-Establishment

There are options available to you as a consumer to help you re-establish your credit, regardless if you filed a consumer proposal or bankruptcy.

Some of these options are:

  • Pay all essential bills on time (i.e. phone, cable, rent, utilities, etc.)
  • Apply for a secured credit card.
  • Pay more than the minimum payment on your credit card.
  • Have someone co-sign a future loan whom you know and can trust.

Beacon Score

  • Excellent Credit Score — 750+
  • Good Credit Score — 700 – 749
  • Fair Credit Score — 650 – 699
  • Poor Credit Score — 600 – 649
  • Bad Credit Score — Below 599
  • Too new to rate; approved but not used
  • Pays (or paid) within 30 days of payment due date or not over 1 payment past due
  • Pays (or paid) in more than 30 days from payment due date, but not more than 60 days, or not more than 2 payments past due;
  • Pays (or paid) in more than 60 days from payment due date, but not more than 90 days, or not more than 3 payments past due;
  • Pays (or paid) in more than 90 days from payment due date, but not more than 120 days, or not more than 4 payments past due;
  • Account is at least 120 days overdue, but is not yet rated “9;”
  • Making regular payments through a special arrangement to settle your debts;
  • Repossession or surrender;
  • Bad debt, bankruptcy, placed for collection, or moved without giving a new address.

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.

Our Office In Toronto

Call Us For Free Consultation

(416) 900-2324

FAQs

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.