We help Canadians overcome financial challenges and rebuild their credit — with personalized debt relief, transparent guidance, and a complete Credit Empowerment Program.
Most debt companies stop at getting you out of debt. We keep going — with a full Credit Empowerment Program that gets you back to financial strength.
We review your full financial picture and map every option available — consolidation, settlement, or referral to a Licensed Insolvency Trustee. Free, no obligation.
Free to startReduce what you owe by up to 80%, eliminate interest, and stop creditor calls. We negotiate on your behalf and coordinate with LITs where appropriate.
Up to 80% reductionOur structured 4-phase curriculum covers credit foundations, error correction, rebuilding tools, and budgeting — with live coaching at every milestone.
NewOne in five credit reports contains errors. We audit your Equifax and TransUnion files and guide you through disputes that can move your score 50–100 points.
High impactOne-on-one sessions to build a realistic budget, set up your emergency fund, and establish the right rebuilding tools in the right sequence.
Coaching availableWhen you're ready for a car, apartment, or mortgage — we connect you with vetted financing partners who work with clients at your exact stage.
Car · Apartment · MortgageClear, simple, no surprises. Most clients have a plan in hand within 48 hours of their first call.
Tell us about your situation — debts, income, goals. No credit check, no commitment. We map your options.
We walk through the best path for your specific situation including debt relief, credit rebuilding, and realistic timelines.
We handle the creditors. You follow the plan. Coaching sessions and progress check-ins keep you moving toward 700+.
No credit check · No obligation · Response within 24 hours
A sequential 8-stage roadmap that applies regardless of whether you're in a consumer proposal, DMP, or recovering from bankruptcy.
"Summit helped me reduce my monthly payments from something I could barely manage to something I can finally breathe with. The process was simple, they explained everything clearly, and I never felt judged."
"I was drowning in credit card interest before finding Summit. They walked me through all my options and built a plan that actually made sense. I'm saving hundreds each month and feel more in control."
"I was nervous at first, but Summit was amazing. Patient, transparent, always quick to respond. I'm already seeing my balances go down faster than expected. I wish I had reached out sooner."
Book a free, confidential consultation. We'll review your situation and show you exactly where you stand.
Available Canada-Wide · No credit check · Response within 24 hours