Debt Consolidation in North York: Your way to financial freedom.
Minimize your debts into a single reduced monthly payment plan with zero interest.
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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

    Do you have unsecured loans or line of credit that are overdue? We can help to relieve you from the debt with a debt consolidation solution in North York.

  • Credit Card Debt

    Late or Non-payment on credit card bills can affect your credit rating. We offer debt relief in North York by providing you with a debt solution to meet your current financial situation.

  • Payday Loans

    Payday loans are easily obtained, but with high-interest rates, the revolving door seems endless. A debt consolidation in North York can help you to eliminate this loan and get debt relief, breaking the cycle of your Payday loan.

  • Tax Debt

    Feeling the pressure of tax debt to CRA? We provide you with solutions that can help you deal with CRA by reducing or eliminating your tax debt.

  • Collection Calls

    Annoyed by non-stop calls from creditors and collection agencies? It can be stressful and exhausting but we can help you by choosing the right solution to put an end to all the calls.

  • Wage/Bank Account Garnishment

    Is a wage garnishment affecting your paycheck? EmpireOne Credit can help you put a stop to this with a solution, by obtaining debt relief in North York.

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.

Call Us For Free Consultation

(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. 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.