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Debt Fix - Debt Consolidation Experts Your Debt
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Struggling in debt? Stressed out? Need debt help?
Debt Fix has solutions to help!

Debt Help - In Just 3 steps, you could be on your way to being DEBT FREE


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The first step is always the hardest, but we are here to help you every step of the way.


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Our qualified team will listen to you and give you options OBLIGATION FREE


Debt Fix

We help you regain control, support you and deal with your creditors, so you don't have to anymore.

Are credit cards and personal loans causing you to lose sleep? That’s OK, Debt Fix can help.

  • Write off up to 70% of the debt
  • One, affordable payment
  • No more calls or letters from debt collectors
  • No more hassles

We know it’s easy to find yourself into unmanageable debt, especially if you lose your job, become ill, suffer a relationship breakdown, or simply underestimate your ability to pay back your creditors.

Whatever the reason is for finding yourself in debt, there is a solution out there for you depending on your situation.

Debt Fix has helped hundreds of people turn their situation around. Whatever the situation we can help you find a solution.

Unlike some other companies that say they will help and then charge you non-refundable fees, Debt Fix will never add to your condition, that’s why we have a NO FIX, NO PAY policy for our debt help.

Added to this, your first debt help consultation is obligation free. We will assess your situation, run through some options and then its up to you. This way, its OBLIGATION AND RISK FREE.

To learn more about Debt Help ®, contact us now.

Call us now on 1300 332 834 for an obligation free, debt analysis

If you need assistance with your debts, there’s a good chance you have debt collectors contacting you. This can be very stressful and intimidating, however if you understand how they work and what they can and can’t do, it may just take some of the fear away and help you deal with the situation more confidently.

Here is our top FAQ’s about dealing with debt collectors:

Q: Why am I being contacted by Collection Agencies?

A: Collection Agencies will contact you for payment of any outstanding debts including utilities, credit card and personal loan debt or any other outstanding contractual debt. Most Collection Agencies operate as agents of creditors however the majority of collections agencies purchase are debts.

Q: What can happen if I don’t pay my debts?

A: Your debts may be sold to a debt collector for further collection. You may receive defaults on your credit file which may make obtaining credit more difficult and ultimately legal action may also be taken.

Q: What is a Credit File?

A: Your Credit File is essentially your credit reputation and is a record of selected personal information which creditors use to assess and measure your credit worthiness. Your credit file reflects personal information such as your full name, date of birth, driver’s license, address and employment information.

In addition your credit file will display show any past credit activity including but not limited to late payments, defaults, court judgements and any bankruptcy information. This information is summarized by your credit score (between 0-1200)

Q: If I have a bad credit score, can I still get a loan?

A: Many creditors will not provide credit if an individual they feel that their credit reputation is poor or their credit score is low. If your credit history is poor, it’s unlikely an application would be successful if you apply for credit e.g. A mortgage, a car loan, new mobile phone contract, utilities applications on a rental property, debt consolidation loans, personal loans, credit cards and store cards.

Q: Can a Debt collector call my neighbours, relatives or my place of employment?

A: Yes they can, however may they are not allowed to discuss your debt or reveal your personal details.

They may contact any third party to confirm where you reside and/or work. A debt collector can only make contact three times a week and ten times a month. A debt collector may also visit your home or have an agent attend if they are unable to contact you through other means such as phone calls, letters.

Q: Can a debt collector take possession of my assets or take money from my wages?

A: If you don’t pay your debts, a debt collector may enforce legal proceedings against you. This may result in an asset being possessed or your wage garnished. This may also appear on your credit file as a judgement default. When judgement is entered it allows further legal action to be taken against an individual for the outstanding debt.

Q: If I have a secured car loan or a mortgage and don’t repay my debt what can happen?

A: The home loan lender can repossess and sell the home as a “mortgagee repossession” to recover the outstanding balance of the debt. Similarly the car loan lender can repossess and sell the vehicle to recover any outstanding balance owed on the debt. If the sale of asset does not cover the balance of the loan it will realise a shortfall which is then payable in full by the borrower.

If you need debt help there are many sources of assistance available to you these days. The Government have introduced a website called “Money Smart” (located at providing information, free advice and financial literacy. Most finance providers belong to Ombudsman’s schemes (for dispute resolution) such a s COSL and FOS and of course you could always make an appointment with a free Financial Counsellor through Lifeline.

Debt Fix recommends that you should always try to come to an arrangement with your creditors first but failing any compromise, we would love to assist and believe that there is always a solution no matter what the circumstances.

National Number 1300 332 834 | Sydney: 02 8211 1155 | Melbourne: 03 9095 6861 | Brisbane: 07 3166 9981 |
Perth: 08 6467 7739 | Adelaide: 08 8464 0233 | Hobart: 03 6237 0595 | Canberra: 02 6223 2580
National Number1300 332 834
Sydney: 02 8211 1155
Melbourne: 03 9095 6861
Brisbane: 07 3166 9981
Perth: 08 6467 7739
Adelaide: 08 8464 0233
Hobart: 03 6237 0595
Canberra: 02 6223 2580