Learn how to make wise financial decisions, build financial literacy, gain a deeper understanding of credit, and develop a plan to achieve your goals.
We have the expertise to help you live a financially viable life without having future debt issues. 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.
To learn more about credit counselling and how it can impact your life and finances. Set up a free consultation with our team now!
If your debt is increasing and you’re trying to avoid bankruptcy, a consumer proposal may be for you.
EmpireOne helps you to consolidate your debt with a monthly payment plan that has 0% interest and zero risk of repossession of your assets. To see if a consumer proposal is right for you, get a free consultation with a member of our team.
With unexpected life challenges, do you think it is finally time to consider bankruptcy as a method to overcome your debt and start over? By filing for bankruptcy, all collections from creditors and/or garnishments against your wages stop with an instant stay of court actions, excluding Family court or Provincial Offences court orders.
Are you paying multiple loans, several credit card bills, and having trouble keeping up as debt and interest charges rise? Debt consolidation will allow you to consolidate multiple debts and lines of credit into one manageable, reduced monthly payment with the help of EmpireOne Credit.
To begin your debt consolidation and repair bad credit, get a free consultation from EmpireOne’s registered credit counsellor now.
Between 1-2 days or longer, depending on the complexity of the file.
Calls will end no later than 10 days after the documents are officially filed. Your payroll officer will be contacted right after the documents are filed. Bear in mind that one pay may be garnished before we are able to stop the garnishment.
You are able to accelerate your payments in a proposal in any way you wish without penalty.
In a bankruptcy, you are expected to give the creditors the net equity in certain, but not all, assets. Some assets are exempt from seizure, while others are not. For example, if there is a large amount of equity in a home, this will have to be addressed before you can receive your discharge from bankruptcy. In a proposal, you keep everything; however, you have to offer nothing less than the equity in a “hypothetical” bankruptcy. EmpireOne will explain this important aspect at length when you come visit us. Remember we offer free consultations; you have everything to gain and nothing to lose.
Cost depends on several factors that interplay in a complex manner that is best explained face to face. Once again, there is no charge until we have provided a meaningful service that suits you.