Whether you're juggling multiple debts, drowning in interest, or just feel like there's no way out, we know exactly what to do, and we're here to do it with you.
A Debt Management Plan (DMP) is our most popular service, and for good reason. Instead of juggling six different payments to six different creditors every month, you make one single payment to us. We do the rest.
We negotiate directly with your creditors to freeze interest, stop late fees, and get them to stop calling you. You'll know exactly what you're paying each month, no surprises, no stress.
If you have multiple debts at different rates, credit cards at 20%, store cards at 25%, personal loans at 15%, consolidation lets you roll them into one clean solution at a lower overall rate.
We negotiate with your lenders on your behalf. Sometimes we get interest frozen outright. Sometimes we restructure the debt into a lower-rate arrangement. Either way, your monthly obligation goes down and your sanity goes up.
A lot of people don't realise their credit file has errors on it, incorrect defaults, outdated listings, or debts that have already been paid but are still showing. These can unfairly drag your score down and make lenders say no.
Our credit repair team reviews your file thoroughly, identifies anything that shouldn't be there, and disputes it on your behalf. We've helped Australians remove incorrect listings and watch their scores climb by 100+ points.
Working through debt doesn't mean you have to put your whole life on hold. If you need a vehicle to get to work, or any other asset to keep moving forward, our secured lending options are designed for people in your situation.
We work with a panel of specialist lenders who understand imperfect credit history and are willing to look at the full picture, not just a number on a page.
You don't need to figure it all out before you call. Just tell us what's going on and we'll tell you honestly which solution makes the most sense for you, with zero pressure.
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Debt management services can help, but they are not right for everyone and they have risks you should understand before engaging us. Please read this section carefully.
Negotiated settlements, hardship variations, debt agreements and missed payments may be listed on your credit file and can affect your future ability to obtain credit.
Informal repayment arrangements we negotiate with creditors are not legally enforceable on the creditor. A creditor can withdraw from the arrangement and resume collection action.
We charge fees for credit assistance and debt management services. All fees are disclosed in writing in your Credit Quote and Credit Proposal before you sign. Read our Credit Guide for details.
Free financial counselling is available from the National Debt Helpline on 1800 007 007. Financial counsellors can also help you negotiate with creditors at no cost.
We can only seek to remove listings that are inaccurate, out-of-date or were applied without proper process. We cannot remove correct default listings. We cannot guarantee any specific credit score improvement.
Formal debt agreements (Part IX) and bankruptcy have serious long-term legal consequences. We will discuss these options only if appropriate and refer you to a registered debt agreement administrator or trustee where required.
*Outcome examples on this page are illustrative only. Past results are not a guarantee of future outcomes. Every client's situation is different and your result may differ. Before you proceed with any service, we will provide you with a written Credit Quote and Credit Proposal setting out the fees, the expected steps, and the likely outcomes for your specific situation.