Professional Debt Counselling in North York
Personalized debt and credit counselling services
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Let’s Walk Towards a Financially Secure Future

Are you looking for a debt-free future? Well, look no further than EmpireOne Credit for debt counselling in North York. We assure to provide a tailored solution for all your debt-related problems. Fill out and submit a “Get a free quote” form.

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How Debt Counselling in North York Can Help You?

Debt counselling is about making people aware of managing their finances, and planning a better financial future so they do not fall victim to the debt crisis.

  • Credit Counsellors you can trust

    We are experienced certified credit counsellors, helping individuals recover from debt-related problems. From examining your current financial situation to providing debt relief services, and budgeting to stay on track. Find the best debt counsellors in North York to assist you.

  • More than Debt Consolidation

    Most people who are in debt look for a debt consolidation that allows them the freedom to repay a debt at low interest rates, in monthly installments. Some even prefer a waiver on their debt amount. We work with our clients to educate them in making the right decision and enjoy financial freedom.

  • Freedom from bad debt

    EmpireOne Credit can help you to rebuild your credit rating while wisely managing the bad debt. Our tailored debt counselling in North York helps you to understand the optimal solution for every debt or credit-related issue. Whether you are filing a consumer proposal or claiming bankruptcy, we can help you make the right decision.

Relieving you from financial burden with debt counselling in North York

No one likes to be overwhelmed by debt. But unexpected situations happen and often you don’t realize when your expenses surpass your savings, leaving you with little money to meet your regular financial needs. Not to mention, the financial stress knowing that you may prolong the repayment of credit, that was used to help with the unexpected.

At EmpireOne Credit, we ensure that people do not give up in overcoming the debt crisis and instead empower them to work on a solution, ranging from a debt consolidation, consumer proposal to even claiming bankruptcy.

Regardless if you declare insolvency or not, you’ll have the best and the most professional team by your side throughout the process. Have any questions? Our debt counselling in North York will answer any questions that you may have.

A Family in the Beach
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.
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.

Call Us For 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 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.