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Get In Touch For a Free Debt Assessment

Your answers today are 100% confidential.

We help Australians overcome unmanageable debt through clear advice, real options, and support that doesn’t stop until the stress does.

For over 20 years, Debt Fix has been helping everyday Australians regain control of their finances with no up-front fees, no false hope, and no judgment. Whether you're struggling with multiple repayments, mounting interest, or relentless collection calls, we’re here to help you take the next step with confidence.

Unlike others, we don’t make you pay before we start working. If we can’t help, you don’t pay. That’s our promise and it’s how we’ve helped thousands of Australians reduce, freeze, eliminate debts with the right solution at the right time.

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Struggling with Debt? 

You’re Not Alone. We Help People Just Like You. 
Is This You? 

  • Checked Icon I’m drowning in repayments and feel stuck. 
  • Checked IconI’ve used multiple payday loans just to pay rent. 
  • Checked IconI got rejected for a loan because of my credit score. 
  • Checked IconI’m using Afterpay for groceries. 
  • Checked IconI want to fix things but I don’t know where to start. 
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Who We Help

We Help All Types of Australians

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Young families living paycheck to paycheck 

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Single parents managing on one income

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Casual workers and freelancers with inconsistent pay 

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Public sector and essential workers 

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Self-employed tradespeople or contractors 

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Centrelink recipients with repayment capacity 

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Students juggling study and credit card debt

What We Can Help You With

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Part IX Debt Agreements  

Stop interest and reduce repayments through a legally binding solution.

A Part IX Debt Agreement helps eligible Australians restructure unsecured debt into one manageable repayment plan with interest frozen, legal protection, and no upfront fees. Ideal for people struggling with credit cards, personal loans, or ATO debts. Arrow Long Right White
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Informal Debt
Agreements 

Negotiate flexible payments with creditors without entering formal agreement.

Informal Debt Arrangements allow you to negotiate more manageable repayments directly with creditors without entering formal insolvency. While not legally binding, they offer breathing room for Australians facing short-term hardship or trying to avoid a lasting credit impact. Some creditors may still record a hardship variation on your credit file. Ideal if you’ve been bankrupt before or want to maintain flexibility in your financial recovery.
Works well for casual workers, sole traders, or those not eligible for formal agreements. Arrow Long Right White
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Debt Consolidation
Loans 

Combine debts into one easy repayment - if eligible.

Debt Consolidation Loans help combine multiple unsecured debts like credit cards, personal loans, or payday loans into a single loan with one repayment. If you qualify, this can simplify your budget and potentially lower your overall interest. We’ll only recommend this path if your credit file and income support it and it’s the best fit for your situation.
Subject to lending criteria, responsible lending, and approval Arrow Long Right White
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Mortgage Refinance
Support 

Use your home equity to lower repayments and get back on track.

If you own your home, refinancing your mortgage could help free up equity or lower your repayments by consolidating debt into your home loan. We’ll connect you with trusted lenders who work with people recovering from financial stress and only if refinancing puts you in a better position long-term. This path may work best for homeowners facing rising repayments or juggling unsecured debt.
Equity and eligibility requirements apply. Arrow Long Right White
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Car Loans After
Debt 

Second-chance car finance after financial hardship.

Been through a debt agreement or credit issues in the past? You may still qualify for a second-chance car loan even if you’ve had defaults or a Part IX in your history. We’ll help assess whether you’re ready for finance again, connect you with lenders who consider your full story, and support you through the process. Great for rebuilding credit while regaining independence.
Available after or outside of debt agreements, based on credit and affordability. Arrow Long Right White

Why Australians Choose Debt Fix Over the Rest

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No up-front fees to get started Checked Icon Green Cross Icon Red
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Trusted for over 20 years Checked Icon Green Cross Icon Red
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Why Australians Trust Debt Fix

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No Fix, No Pay

You’ll never pay for advice or a solution that doesn’t help you. Our initial assessments are completely free, and if your situation doesn’t qualify, we’ll still guide you at no cost. 

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Experience That Understands 

We’ve been doing this for more than two decades. We’ve seen every kind of financial hardship and we know the solution is never one-size-fits-all.  

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Real People, Not Robots 

Our team of specialists takes time to understand your situation. You’ll speak to someone who listens, explains your options clearly, and supports you like family.  

Why Trust Ui
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100% Australian Owned & Operated

No call centres. No overseas outsourcing. Just honest, reliable help from a team that lives where you live and understand what it’s like.  

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One Weekly Payment. One Path Forward

Most clients make just one affordable repayment per week with interest and fees frozen while working toward becoming debt-free over 3 to 5 years. 

What Debts Can We Help With?

We help with most types of unsecured debts, including: 

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Personal Loan Icon Personal loans Arrow Left
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Overdue Icon Overdue bills & utilities Arrow Left
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Unsecured Icon Unsecured overdrafts Arrow Left
Rental Icon Rental arrears Arrow Left
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When It’s Time to Call Us

You don’t need to be at breaking point to reach out. 

  • Checked Icon Dark Green You're behind on credit cards or personal loans 
  • Checked Icon Dark GreenYou're using payday loans or Afterpay to cover bills 
  • Checked Icon Dark GreenDebt collectors are calling non-stop 
  • Checked Icon Dark GreenYou’ve been rejected for a consolidation loan 
  • Checked Icon Dark GreenYou’re living week to week and still falling short 
  • Checked Icon Dark GreenYou feel ashamed, confused, or stuck 

If this sounds familiar, you’re not alone and you don’t need to figure it out alone either. 

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What Australians Say About Debt Fix

Read Our Success Stories in Helping Australians go Debt Free

Over 20 years of success stories across every state in Australia

Success Story Helen

Helen
Debt Value: $44,780

I experienced financial hardship as a result of a previous relationship where I was a victim of domestic violence and financial abuse. During this time, I was coerced into taking out a loan with a bank, which I was later left solely responsible for repaying.

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Success Story William

William
Debt Value: $49,065

Everything started to unravel when my relationship with my ex-wife ended, and she was granted full custody of our children. This was an incredibly difficult time for me and had a significant impact on my mental health. During that period, I relied heavily on short-term, high-interest loans just to get by,

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Success Story Eadie

Eadie
Debt Value: $72,960

I ran into financial trouble after experiencing a period of unemployment, which led me to take out several loans to cover my living expenses. Unfortunately, I didn’t fully understand the high interest rates and short repayment terms involved, and this quickly trapped me in a cycle of debt that became unmanageable.

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Let’s Start With a Conversation

No pressure. No judgment. Just help. 

Location Icon Serving every state and city in Australia 
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FAQs - Debt Fix Australia 

Absolutely nothing. Your initial consultation is 100% free. If we can't help, you don't pay.

Some solutions (like Part IX Debt Agreements) can impact your credit file. Others (like informal arrangements) may not. We’ll explain every impact clearly so you know before you decide.

A debt agreement is a legally binding formal arrangement to repay debts under specific terms. Debt consolidation is a loan. We’ll explain the pros and cons of each and never recommend something that’s not suitable.

No. Everything can be done via phone, email, and online. We assist clients Australia-wide no office visits needed.

Yes. In most formal arrangements, creditor contact must stop once your agreement begins. Informal solutions may also reduce or pause collection activity.

Yes, if you have affordable repayment capacity, we may still be able to help. We'll assess your situation individually.

Yes, it's possible. We work with lenders who consider second-chance applicants especially those who’ve completed a debt solution and are rebuilding.

Even if you’ve entered a Part IX or bankruptcy before, we may be able to help with informal arrangements or tailored budgeting support. It’s worth the conversation.

Initial assessments take around 20–30 minutes. Agreements typically run 3 to 5 years, depending on your situation.

Yes. All conversations are private and confidential. We’re licensed under ASIC and AFSA and operate under strict national privacy standards.

In most cases, yes you can keep your home during a Part IX Debt Agreement, provided you can maintain your mortgage payments. A debt agreement focuses on unsecured debts (like credit cards, personal loans or payday loans), not your mortgage or property loan. We’ll always review your full situation to help protect the things that matter most.

We regularly help clients whose debts are primarily from services like Afterpay, Zip, Humm and other Buy Now Pay Later providers. These are unsecured debts and can often be included in formal and informal arrangements. If these platforms are causing you to fall behind, we can help you break the cycle.

That depends on your financial situation and credit history. If your income is stable and your credit file is in reasonable condition, a debt consolidation loan might be suitable. But if you’re already behind on repayments or facing collection calls, a debt agreement may offer greater protection and long-term relief. We’ll guide you through both options honestly and clearly.

Yes, in many cases we can. Unsecured ATO debts can often be included in a Part IX Debt Agreement, as long as your tax lodgements are up to date. If you owe money to the ATO and can’t repay it in full, we can assess whether a formal or informal option is suitable.

Typically, we help people with at least $8,000 in unsecured debt, but we’ve worked with lower amounts when the person’s situation truly warrants support. If your debts are under that amount, we may still be able to help you with budgeting or informal guidance at no cost.

We understand life happens. If something changes like illness, job loss or other hardship your plan may be adjusted or paused. Our team stays in touch throughout the process to keep you supported. In some cases, an early termination or new agreement can be proposed. You’re never alone in the process.

Yes if your Centrelink income allows for affordable repayments, you may be eligible for help. That said, some Centrelink payments (like JobSeeker or Disability Pension) may not provide enough room in the budget. We assess every case fairly and always let you know if there’s a better support option through a financial counsellor or hardship program.

If you enter a formal Part IX Debt Agreement, your creditors must stop legal action and collection activity it’s part of the protection under the Bankruptcy Act. If you're not under a formal agreement, legal action may still occur. That’s why we act quickly to assess your situation and get the right protections in place if needed.

Yes, we support clients in every Australian state and territory, including NSW, VIC, QLD, WA, SA, TAS, NT and ACT. We operate entirely online and by phone so no matter where you are, you’ll get personalised service from someone who understands your region and situation.

To begin, we’ll usually ask for:
  • Proof of income (payslips or Centrelink statements)
  • A list of your current debts
  • A valid photo ID (if required by creditors)
  • Basic household budget info (income vs expenses)
We’ll guide you through it all and make it as simple and stress-free as possible.
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