From debt relief to credit rebuilding — a complete path back to financial confidence, at every stage of your journey.
We start by reviewing your complete financial picture — every debt, every creditor, every option. Then we build a plan tailored to your situation, whether that's debt consolidation, settlement, or coordinating with a Licensed Insolvency Trustee for a consumer proposal or bankruptcy.
We handle all creditor communications so you don't have to. No more calls, no more letters, no more pressure while your plan is in motion.
Every situation is different. Here's how the main paths compare — we'll help you figure out which one fits yours.
Full repayment at 0% interest. Notation clears 2 years after completion — the fastest of any formal option.
Pay back a fraction of what you owe. Legal protection from creditors. Notation clears 3 years after completion.
Negotiate directly with creditors. Less predictable — no legal protection, creditors can still pursue collections.
Full legal discharge. Notation stays 6–7 years. Best suited for debt loads too large to address through a proposal.
Summit Debt Solutions does not administer Consumer Proposals or Bankruptcies directly. Where these are the right path, we refer clients to a Licensed Insolvency Trustee and continue supporting their credit rebuilding.
Studies show roughly 20% of Canadians have at least one error on their credit report — and most don't know it. A single incorrect late payment can suppress your score by 50–100 points. An erroneous collection account can do even more damage.
We review your Equifax and TransUnion files in detail, identify every inaccuracy, and walk you through the dispute process — including drafting dispute letters when you're on our Accelerator tier.
After debt relief, the rebuilding period requires more financial precision than most people expect. A missed payment on a brand-new secured card can undo months of progress — which is why our coaching goes beyond a generic budget template.
We build your actual monthly budget from real numbers, classify your rebuilding payments correctly as essential obligations (not optional savings), and help you establish a starter emergency fund that protects your rebuilding plan from a single bad month.
Most debt clients eventually reach the same questions: Can I finance a car right now? Will a landlord accept my application? When can I realistically apply for a mortgage? We give you accurate, specific answers — not vague encouragement.
Through our Accelerator tier, we connect you with vetted financing partners who work specifically with clients at your stage, and assess your readiness against realistic lender thresholds.
Book a free assessment and we'll map out the right path for your specific situation.
Available Canada-Wide · No credit check · No obligation