Real help, close to home
Melbourne households are dealing with rising rents, mortgage repayments and energy costs. If the bills have started to pile up, you are far from alone, and there is a way through.
Clear My Debts is an Australian credit licensee (ACL 568532). We help people in Melbourne with:
- Debt management plans: one affordable payment while we negotiate with your creditors
- Financial hardship requests: asking your lenders to change your repayments
- Credit repair: reviewing your file and disputing incorrect listings
- Debt consolidation: bringing several debts together
Where we help
We help people right across Melbourne, including the CBD, Dandenong, Frankston, Werribee, Sunshine, Broadmeadows, Epping, Ringwood, Cranbourne and Geelong. Most of our work is done by phone, email and secure online forms, so you do not need to travel.
Local things worth knowing in Victoria
- Energy and water bills: If you are struggling with a power, gas or water bill, ask your provider about its hardship program. If you cannot resolve a dispute, the Energy and Water Ombudsman Victoria (EWOV) is free to use.
- Court action: If a creditor starts legal action, the claim is usually filed in the Magistrates' Court of Victoria. Do not ignore court documents. There are strict time limits to respond, so get advice quickly.
- Credit and loans: Complaints about banks, lenders and debt collectors go to Australian Financial Complaints Authority (AFCA), which is free and covers the whole of Australia.
What happens when you call
- A friendly, private chat about what is going on. No judgement.
- We look at your income, expenses and debts together.
- We explain your options, including free options, and what each one means.
- If you want our help, you get a written Credit Quote before anything is charged.
Free options are always available
You can contact your lender directly, ask for a free copy of your credit report, lodge a free complaint with Australian Financial Complaints Authority (AFCA), or speak with a free, independent financial counsellor through the National Debt Helpline (1800 007 007). We are happy to tell you if a free option suits your situation better than a paid service.