John & Jennifer Croft


Debt has far-reaching effects beyond your bank account. When the compounding power of interest works against you, debt becomes a dominating force in your life, negatively impacting your mental, emotional, physical, and spiritual well-being. These effects ripple into personal relationships, workplaces, and communities.
How do we know this? Because we’ve lived it and experienced it firsthand. We understand the vulnerability, hopelessness, manipulation, and disrespect creditors can inflict, leaving you feeling trapped, discouraged, pressured and frustrated.
Initially, we were uninformed about the world of insolvency, thinking bankruptcy was our only escape from relentless collection calls and creditor threats. We were unaware of our Canadian rights to receive exclusive representation for what’s in our best interest. We lacked an advocate and this left us alone in the battle against the banks and our creditors, feeling helpless and clueless.
When we finally realized we needed professional help with our debt, we went online and consulted a local debt expert. He collected our information and promised to help for a fee of $750. A week later, he scheduled an appointment for us on a Saturday morning, but to our shock, a bankruptcy trustee was involved. The trustee was indifferent, offering only one solution: bankruptcy. When we asked about alternatives, he claimed our income wasn’t sufficient, pushing bankruptcy as the best and only option. He treated us without dignity or respect and refused to explore other solutions. We left having lost $750, misled by the debt consultant, and without any value received or a refund for the lack of service.
We looked elsewhere and scheduled a meeting with one of the largest bankruptcy trustee firms. It was an unaccommodating and cold experience, offering no immediate solutions, leaving us no better than when we arrived. It highlighted how isolating the process can be for consumer debtors.
During this time, a friend who had also dealt with a trustee recommended filing for a consumer proposal, which we hastily agreed to in our desperation to stop creditor harassment. When the two mandatory counseling sessions were performed, the ‘counselor’ played two 20-minute videos and asked us to sign off that we had received counseling. It didn’t align with our learning style, and we yearned for one-on-one, in-person interaction with the ability to ask questions and engage with a real person.
This journey revealed the insolvency system as lonely, confusing, demeaning, and frightening for consumer debtors. Our mission is to assure others that they don’t have to navigate this path alone; they have the right to an advocate who looks out for their best interests. We believe in treating our clients with dignity, respect, and care. We want each of them to feel hopeful, be inspired to make better choices that improve their lives, and to be present with their loved ones and support those around them.
That is why we founded Creditlift – a place where hope can be restored through our proven method of exclusive client care and financial restoration program.
Here at CreditLift, we are not just experts; we’re empathic experts and reliable guides on your journey to financial freedom. Our mission is to be timely and supportive, providing personalized services that empower you every step of the way.
We’ve been where you are, facing debt’s intrusive and overwhelming grip, dealing with impatient companies who offered no solutions. That’s why we’re steadfast in our commitment to be responsive and strategic in your debt relief journey.
With CreditLift, you’re in safe hands. We want you to have full confidence in your experience with us, knowing that you’re not alone in this challenging process. We’re here to provide the personalized support you need, to make your financial journey less daunting, more empowering, and ultimately successful.
You don’t have to navigate the complexities of debt on your own. Let CreditLift be your trusted partner on the path to financial recovery. We’re here to lift you up and help you reclaim control of your financial future.

Our Team

Glenda Karwacki

Saskatoon, Saskatchewan

It has been brought to my attention that my kids are now grown and can take care of themselves, (although we secretly really know they will always need their mom). However with this new step in my life, my husband and I can get back to our plans to travel. I need to see the world or as much as I can of it.  I enjoy the outdoors and nature, camping is one of my favorite things to do.  In my downtime when the weather is cold (which here in Saskatchewan is 7 months out of the year) I enjoy reading. 

The biggest highlight of my job is watching relief on my clients faces when I can help them become debt free. I enjoy knowing that I am making a difference in their lives and bringing them hope.  

Kate Burton

Lower Mainland, BC

Professionally, my journey has been an exciting one. I started my financial career in the private investment sector. Later, I gained valuable experience as a mortgage underwriter. Throughout this journey, my underlying motivation has always been my love for helping people.

Beyond the office, my world revolves around my amazing husband, our energetic 3-year-old son, and our loyal yellow lab who keeps us on our toes. I met my wonderful husband while working on a cruise line, and our love story has been a voyage of its own. Even today adventure travel is my calling, and hiking is my escape, providing a connection to the natural world that’s both refreshing and inspiring. On a cold and rainy day I find solace in the pages of a good book.

I’m very proud to be part of the incredible team at CreditLift, an organization that shares my values and life goals. Our collective mission is to help individuals regain their financial independence, empowering them to achieve their dreams.

Leona Derkson

Calgary, Alberta

A born and raised western Canadian, my eight years on the team have been spent in administration and finance roles. My husband and I are the proud grandparents of five beautiful grandkids, who we love to spend time with whenever we get the chance. When I’m not enjoying the antics of my grandkids, I love to spend time on hiking trails around Calgary and in the mountains or out walking with friends. My greatest joy at work comes from connecting with clients to hear how their debt burdens have been lightened through the help we provide.

Vince Crispo

Montreal, Canada

With over 7 years’ experience in the finance world, I’ve developed a particular interest in helping people regain their financial freedom. Creditlift has allowed me to practice what I’m passionate about. When I’m not crunching numbers, you can find me cheering for my favorite sports team, exploring the latest automotive trends, or traveling with my wife and learning new languages.

Natalie Bowen

Calgary, Alberta

I’ve been in the financial industry for a little over 11 years in just about every position you can think of. My true passion is in the backend side of things where I can help in organizing and labeling just about anything I can. I thrive in helping clients reach their goals of being financially successful and being there for them in any way I can.  The lives that I see we change here at Credit Lift is truly amazing and I’m just beyond honoured to be part of the team.

Outside of work, I am a wife and mother who three beautiful kids and one golden retriever who keeps me very busy! We are a part of a big extended family who love Sunday dinners and doing just about anything outside as long as we are all together.

Jo Ann Santiago

Red Deer, Alberta

Over the past 12 years, I’ve been immersed in the finance industry, where I thrive on connecting with clients, helping them navigate through their financial hardships, and crafting tailored solutions with the purpose of not only being able to help them lift their financial burdens but also their spirits. It’s incredibly rewarding and fulfilling knowing I can make a positive difference in people’s lives through my work at CreditLift.
But hey, life’s not all about numbers and spreadsheets! Outside of work, I find solace in the simple pleasures of life – sipping a warm cup of coffee at cozy cafes, trying out new restaurants, experimenting with new recipes, and embarking on exciting travels. As much as I enjoy all these, family is everything to me and I especially enjoy being a doting auntie to my twin nieces!

Craig Ware

Over the course of my time with Credit Lift, I have had the privilege of seeing countless lives changed by the work we do. Although I don’t meet with clients, my job is to make sure that everything works well behind the scenes so that our clients have the best care possible. When I’m not at work, my focus is on spending time with my beautiful wife and our amazing kids. We love going out as a family and exploring the amazing world around us. In the rest of my free time, I enjoy hiking, reading and really bad puns.

We are passionate about creating hope for the future by helping clients achieve financial freedom.

You can expect us to give our best effort to do the right thing and treat everyone as we want to be treated. We pursue excellence and exceed client expectations every day by finding solutions that meet not only immediate but long term financial needs. We take pride in helping Canadians everyday get out of debt and walk alongside them through the process and on their way to financial recovery.


Helped over 12,000 Canadians discover ways to become debt free and stay debt free


Over 12 years of excellent service of advocating for consumers in the debt industry

“ We solely work for the debtors, not the creditors. ”

We work with you to help find the best solution. Our role is to help you discover the best ways to become debt free. We will also
work with you to improve your financial literacy and better manage your money in the future.


Imagine your life without debt, the Crofts did!

Our humble beginnings that led to our life-long mission to help more Canadians get out of debt

Let’s walk down memory lane:

Debt negatively affects people beyond their bank accounts. When the power of compounding interest is working against you, debt becomes a master over your life. It negatively affects your mental health, emotional, physical and spiritual well being that ripples into personal relationships, workplaces and extends to communities.

How do we know this? Because we lived it and experienced it for ourselves. We know what it feels like to feel vulnerable, hopeless, manipulated and disrespected by creditors, trapped, discouraged and frustrated.

We were uneducated about the world of Insolvency and thought Bankruptcy must be the only way to stop the collection calls and creditor threats. We didn’t know about our right to receive exclusive representation on what’s in our best interest. We didn’t have an advocate and we didn’t have anyone on our side. It was us vs. the banks and we were helpless and clueless.

When we had to face the music and realize we needed professional help to deal with our debt we went online and met with a local debt consultant. He took our information and said he could help us if we paid him $750. About a week later we were told to come back to his office on a Saturday morning and everything would be setup then. When we arrived, we were shocked to find out there was a bankruptcy trustee involved. The trustee was very cold and only provided one option: bankruptcy. When we asked for other options, he said we didn’t make enough money and bankruptcy was the only option available. He did not treat us with dignity or respect and still didn’t want to help to provide any solutions other than bankruptcy. So we left and lost the $750. We were misled by the debt consultant, did not receive any value for our money and we couldn’t get a refund.

We did more research and setup an appointment with one of the largest bankruptcy trustee firms. They were not very accommodating. It felt like a cold and difficult process. No real initial solutions were provided and so left the meeting no better off than when we came in. What we did learn is what a lonely process this was as a consumer debtor.

During this season we also had a friend who dealt with another trustee and filed for a bankruptcy. We were exhausted looking around as time was of the essence; we felt so much pressure to do something to stop the creditors from calling us. So, we decided to just go with our friend’s recommendation and finally signed the paperwork for a consumer proposal. When it was time for us to attend our mandatory counselling session, The “counsellor” turned on 2 x 20 minute videos about budgeting and asked us to sign the paperwork to say that we had counselling done. It wasn’t our learning style and preferred one on one in person interaction and couldn’t really ask questions to the person on the video.

This entire ordeal made us realize that the entire Insolvency system is a very lonely, confusing, demeaning and frightening process for the consumer debtor to navigate. Our desire is to help others know that they do not have to walk through this alone; they have a right to have someone available to advocate for them and look after what’s in their best interest. It’s important for our clients to feel treated with dignity, respect and care. We want each of them to have a hopeful experience and be inspired to make the better choices to improve their lives and help those around them.

This is what makes CreditLift founders so passionate about creating hope and helping people get out of debt!

If you're struggling with debt, know that your are not alone!

Join our mission to help more
people achieve a debt free life!

If you’re passionate about helping Canadians become debt free, we have several different ways you can partner with us. Please visit any of the pages below for more information.

CreditLift founders are considered experts in their field and have been interviewed by both local & national news networks related to debt and financial literacy.