Best Debt Counselling Experts in Markham
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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 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.

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We Can Help With
  • Loans and Line of Credit

    Buried under a mountain of bank loans? Significant Line of Credit debt? We can help you to reduce or eliminate your debt.

  • Credit Card Debt

    Are you making minimum payments on your high-interest credit card debt, or missing payments altogether? Our debt counselling team in Markham can help you to reduce or eliminate your credit card debt and stop the interest.

  • Payday Loans

    Payday loans may seem like a good idea, but the interest rates are very high. Leaving you with a large debt to repay. We can help you stop the interest and eliminate payday loans.

  • Tax Debt

    Do you owe tax debt to CRA? We can help you reduce or eliminate your tax debt. Let our debt counsellors based in Markham help you deal with CRA.

  • Collection Calls

    Are you being harassed by creditors and collection agencies? Are you annoyed and stressed out by the constant calls, day and night? Let our debt counsellors in Markham help you and put an end to those calls.

  • Wage/Bank Account Garnishment

    We can help you put a stop to your wage garnishment. Taking debt counselling assistance from experts can stop your bank account from being garnished.

A Family in the Beach
Empireone
About us

EmpireOne Credit is dedicated to helping clients in the Greater Toronto Area who are struggling with debt and financial hardship. EmpireOne Credit Solutions passion is derived from the knowledge that the situation is not 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
FAQ
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. A 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.