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Get In Touch For a Free Debt Assessment

Your answers today are 100% confidential.

Why People in Brisbane Need Debt Help

From rising rents in inner-city suburbs to job uncertainty in regional Queensland, debt is affecting thousands across Brisbane. Many people are relying on credit cards, BNPL platforms, or payday loans just to stay afloat.

Increased living costs, fluctuating interest rates, and reduced work hours are common triggers. If you're falling behind or feeling overwhelmed, you're not alone—and help is available right here in Brisbane. 

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Debt Solutions Available in Brisbane

We offer a range of flexible solutions tailored to your circumstances: 

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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. Arrow Long Right White
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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. Arrow Long Right White
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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 Arrow Long Right White
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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. Arrow Long Right White
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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. Arrow Long Right White

Whether you're self-employed, on Centrelink, or working full-time, our plans are tailored to your income with no upfront fees. 

Which Debts We Help With in Brisbane

Our team helps consolidate or negotiate debts including: 
Credit Card Icon Credit cards Arrow Left
Personal Loan Icon Personal loans Arrow Left
Payday Loan Icon Payday loansArrow Left
Buy Now Pay Later Icon Buy Now Pay LaterArrow Left
Overdue Icon Overdue bills & utilities Arrow Left
Ato Icon ATO debts Arrow Left
Medical Bill Icon Medical bills Arrow Left
Unsecured Icon Unsecured overdrafts Arrow Left
Rental Icon Rental arrears Arrow Left
Fine Icon Fine And PenaltiesArrow Left
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Localised Example: Brisbane Debt Relief in Action

A client from Loganholme came to us with $29,000 in credit card, personal loan and BNPL debts. Within 7 days, we negotiated an informal plan with her creditors. She now makes a single weekly repayment of $85 and hasn’t received a debt collector call since." 

We’ve supported residents across Brisbane—from Caboolture to Sunnybank, from Ipswich to Redland Bay. 

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Compare Your Debt Solutions

Features Part IX Debt Agreement Informal
Plan  Debt Consolidation Loan
Interest frozen  Checked Icon Green Checked Icon Green Cross Icon Red
Affects credit  Checked Icon Green(5 Years) Cross Icon Red Checked Icon Green
Court process  Cross Icon Red Cross Icon Red Cross Icon Red
Multiple debts merged  Checked Icon Green Checked Icon Green Checked Icon Green
Suited to Sydney renters/homeowners  Checked Icon Green Checked Icon Green Checked Icon Green
Not sure what's right for you? Our Brisbane debt specialists will walk you through every option—free of charge.

How the Process Works (Simple Steps)

Sydney Debt Process 1

Book a free assessment (by phone or online—no need to travel)

Sydney Debt Process 2

We assess your debts, income and goals 

Melbourne Debt Process 3

You receive a recommended plan (no obligation)

Brisbane Process 4

If accepted, we stop the creditor pressure and set up your new repayment structure  

Brisbane Process 5

Ongoing support as you reduce or clear your debt 

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Why Brisbane Residents Choose Debt Fix

20+exp Two
20+ Years of Trusted Experience
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Real Australian consultants (no call centres)
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Transparent, supportive and quick to act 
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4.9-star average from people across QLD
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Tailored solutions for Centrelink, renters, sole traders

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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Ready to Take Back Control?

Location Icon We support clients across Brisbane and surrounds—including Logan, Springfield, Redcliffe, and Ipswich  
Call Us: 1300 332 834  Arrow Left
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FAQs - Debt Help in Brisbane

Yes. We help clients all across Brisbane and South-East Queensland, whether you’re in the CBD or suburbs.

No. All consultations can be done by phone or online, saving you travel and time.

Absolutely. Once a formal or informal plan begins, we notify your creditors and stop the pressure.

Yes, it’s part of the national Bankruptcy Act and fully applies in QLD.

Yes. Many of our clients are renters, and our plans are income-based.

Some solutions (like Part 9) do have credit impacts, but informal plans do not. We'll explain clearly.

That’s okay. We can still help you find a manageable plan based on your income.

Yes. We help sole traders, ABN holders and freelancers across QLD.

In many cases, we begin creditor negotiations within 48 hours of your free assessment.

Yes. We help consolidate most unsecured debts, including BNPL, ATO, utilities, and personal loans.
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