If you need the education, expertise and plan to live a financially healthy life and prevent future debt issues, EmpireOne is here to help with debt and credit counselling services!
Working with our team, you’ll build financial literacy, learn how to make wise financial decisions, gain a deeper understanding of credit, and develop a plan to achieve your goals.
Nowadays it is very easy to get overwhelmed with debt from credit cards and unforeseen financial circumstances.
However, this does not mean there is no hope or that bankruptcy is inevitable.
Instead, let EmpireOne help you eliminate your financial problems and build up financial skills that will help you prevent future issues with debt. Through one-on-one counselling, you will get helpful, judgment-free assistance with planning to take back your future and avoid making your financial issues worse.
Start taking steps towards your financial health, EmpireOne credit counselling is here to help. Get a free consultation with our team.
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.
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.