Clear, honest, no surprises. Here's exactly what working with Summit Debt Solutions looks like from your first call to your financial recovery.
Your first call is completely free with no obligation. We review your complete financial picture — every debt, every creditor, your income, and your goals — and give you an honest view of every option available to you.
We don't push any particular solution. Our job at this stage is making sure you understand what's actually available, including the options that might not benefit us financially. You deserve an informed decision.
Once we understand your situation, we build a plan tailored specifically to you — not a generic package. This includes which debt relief path fits your circumstances, a realistic timeline, and a clear picture of what your life looks like on the other side.
Where a consumer proposal or bankruptcy is the right answer, we explain exactly what's involved and refer you to a Licensed Insolvency Trustee. Where debt management or settlement is more appropriate, we handle that directly. Most clients have a plan in hand within 48 hours of their first call.
Once your plan is in motion, we take over all creditor communications. No more calls, no more letters, no more pressure. Your job is following the plan — ours is making sure nothing disrupts it.
Simultaneously, if you're enrolled in the Credit Empowerment Program, your rebuilding begins. We don't wait until the debt is resolved to start improving your credit — in many cases, rebuilding can begin during the debt relief process itself.
The goal isn't just getting out of debt — it's staying out, and reaching the financial milestones that matter to you: a car, an apartment, a mortgage. Our Credit Empowerment Program and ongoing coaching are built around exactly this.
Most clients who follow the program reach a 650+ score within 12–18 months of completing their debt relief, and 700+ within 24–36 months. These aren't guarantees — but they're realistic outcomes for clients who engage fully with the rebuilding process.
We'll help you figure out which path fits your situation. Here's how they compare on the factors that matter most.
| Factor | Debt Management Plan | Consumer Proposal | Debt Settlement | Bankruptcy |
|---|---|---|---|---|
| Credit rating | R7 | R7 | R7 (per account) | R9 |
| Notation clears | 2 yrs after completion | 3 yrs after completion | Varies | 6–7 yrs after discharge |
| Legal protection from creditors | ||||
| Stops interest charges | ||||
| Can reduce total debt | No (full repayment) | Yes (up to 80%) | Possibly | Yes |
| Rebuilding can start | Immediately | During (LIT approval) | After settlement | After discharge |
| Administered by Summit | LIT referral | LIT referral |
Summit Debt Solutions does not administer Consumer Proposals or Bankruptcies directly. We refer clients to Licensed Insolvency Trustees and continue supporting the credit rebuilding journey.
Your free assessment is the first step. No credit check, no obligation — just an honest conversation about your options.
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