Is debt help available in all states?

Yes. Debt Fix provides support across all Australian states and territories.

Will debt help affect my credit file?

Some solutions, such as a Part IX Debt Agreement, can appear on your credit file. Other options may not.

Can you stop debt collectors?

If you proceed with a suitable plan, creditor contact and collection activity may be paused or stopped, depending on the arrangement in place.

What debts can go into an agreement?

Many unsecured debts may be considered, including credit cards, payday loans, Buy Now Pay Later debts and some tax debts, depending on your situation.

Do I need to attend a physical office?

No. Assessments and support are available by phone and online.

Is this government backed?

Formal debt agreements operate under the Bankruptcy Act and are regulated within the Australian insolvency framework.

Can you help if I’m on Centrelink?

Possibly. Many clients receiving government income may still be able to explore debt help options based on their income, expenses and eligibility.

How long does the process take?

Timeframes depend on the debt solution and your circumstances. Debt Fix can explain the likely process during your assessment.

Can I include tax debts or court fines?

In many cases, tax debts and some fines may be considered as part of a broader debt solution, depending on the nature of the debt and your circumstances.

Trusted Debt Help Across Australia

Q: Can I get a debt agreement from regional Australia?

Yes. Debt Fix helps clients in regional and remote areas via phone and online support.

From Sydney to Hobart — we help Australians freeze interest, reduce payments, and take control.

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Your answers today are 100% confidential.

Nationwide Debt Help, Backed by Experience

Debt problems don’t care where you live and neither do we. Whether you're in the city or the country, facing a temporary financial setback or long-term debt pressure, Debt Fix offers help that’s accessible and effective across:

Major cities like Sydney, Melbourne, Brisbane, Adelaide Hobart, and Perth
Regional centres and country towns
All states and territories

You don’t need to visit an office. Support is available by phone and online, tailored to your needs.

Check If You Qualify – Free Assessment

Tailored Debt Solutions for Australians

Part 9 Debt
Agreements

Legally binding with creditor protection and frozen interest.

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.

Informal Debt
Agreements

Flexible plans negotiated without affecting your credit file.

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.

Debt Consolidation
Loans

Combine debts into a single lower-interest loan.

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

Mortgage Refinance
Support

Use your equity to reduce overall debt pressure.

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.

Car Loans After
Debt

Access vehicle finance even with a complex credit history.

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.

Every solution is based on your income, expenses, and creditor mix. No upfront fees. No pressure.

What Debts Can Be Included?

You might be surprised what kinds of debt we help with:

Overdue bills & utilities

Why Australians Choose Debt Fix

20+ Years’ National Experience

No Upfront
Fees

Local Knowledge + Nationwide Service

4.9★ Rating from Thousands of Clients

100% Confidential Support

We’ve helped Australians from every walk of life get out of debt with dignity.

Compare Your Options

Features Part IX Debt Agreement Informal
Plan Debt Consolidation Loan

Interest frozen

Credit Impact

(5 Years)

Merge Debts

Legal Process

Customised to Income

Not sure what’s right? Our team will help you choose the best option — based on your location, budget, and creditor types.

Coverage by City

We provide dedicated support across:

Debt Help Sydney

Debt Help Melbourne

Debt Help Brisbane

Debt Help Perth

Debt Help Adelaide

Debt Help Hobart

Debt Help Canberra

Live somewhere else? We help across Australia — including rural and remote areas.

Read Our Success Stories in Helping Australians go Debt Free

Over 20 years of success stories across every state in Australia

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.

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,

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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Read Real Stories

Ready to Take Back Control?

Helping Australians from every state and territory.

Call Us: 1300 332 834

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FAQs - Debt Help in Australia

Yes. Debt Fix provides support across all states and territories.

Absolutely. We help clients in regional and remote areas via phone and online.

Some solutions (like a Part 9 Agreement) will appear on your credit file for 5 years. Others may not.

Yes. Once your plan is in place, creditor contact and collection activity is paused or stopped.

Most unsecured debts including credit cards, payday loans, BNPL, and ATO debts.

No. All assessments and support are available via phone and online.

Formal agreements operate under the Bankruptcy Act and are regulated by AFSA.

Yes. Many clients receive government income. We tailor plans to what you can afford.

You could be approved and protected in as little as a few days.

Yes, in many cases — especially in NSW, VIC, and TAS. We’ll assess this during your consultation.