Image
Logo Slider 1 Logo Slider 2 Logo Slider 3 Logo Slider 4 Logo Slider 5 Logo Slider 6 Logo Slider 1 Logo Slider 2 Logo Slider 3 Logo Slider 4 Logo Slider 5 Logo Slider 6 Logo Slider 1 Logo Slider 2 Logo Slider 3 Logo Slider 4 Logo Slider 5 Logo Slider 6

Get In Touch For a Free Debt Assessment

Your answers today are 100% confidential.

Why People in Canberra Need Debt Help

The ACT might have the nation’s highest average income, but that doesn’t mean financial stress is rare. In fact, rising property costs, soaring utility bills, and overextended credit are putting pressure on everyday Canberra families. 

From public sector workers dealing with wage stagnation to small business owners hit by cost-of-living spikes, debt problems are more common than you think. 

"You’re not alone if you’re struggling with debt in Canberra. And you’re not without options." 

Check If You Qualify – Free Assessment Arrow Left

Debt Solutions Available in Canberra

What Can Help Service Icon 1

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
What Can Help Service Icon 2

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
What Can Help Service Icon 3

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
What Can Help Service Icon 4

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
What Can Help Service Icon 5

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

All plans are tailored to your income and needs. No upfront fees. Just judgment-free, expert help.  

Which Debts We Help With in Canberra

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
Canberra Debt Image
Canberra Debt Relief Image

Localised Example: Canberra Debt Relief in Action

We helped a couple from Tuggeranong escape $45,000 of credit and loan debt through a debt agreement that cut their repayments by 65%.  

From Gungahlin to Woden, Debt Fix has helped hundreds of ACT residents take back control. 

Get Help With a Free Assessment Arrow Left

Compare Your Options

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
Suitable for ACT residents  Checked Icon Green Checked Icon Green Checked Icon Green
Unsure what suits you? We'll help you compare options in a free call.  

How the Process Works (Simple Steps)

Sydney Debt Process 1

Free phone or online consultation 

Sydney Debt Process 2

Tailored solution based on your income, debts, and goals 

Melbourne Debt Process 3

We contact creditors on your behalf 

Brisbane Process 4

You start a single, manageable repayment 

Brisbane Process 5

Ongoing support until you're debt-free 

Start With a Free Chat Today Arrow Left

Why Canberra Residents Choose Debt Fix

20+exp Two
Over 20 years helping Australians in financial stress
Judgement Icon
Based in Australia — no call centres overseas  
Why Debtfix Icon 3
No upfront fees. No pressure. 
Judgement Icon
Experience with ACT-specific debt challenges
Average Icon
4.9/5 average customer rating 

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.

Arrow Right Slider Icon
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,

Arrow Right Slider Icon
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.

Arrow Right Slider Icon
0% completed
1/4
Read Real Stories Arrow Left

Ready to Take Back Control?

Location Icon Serving all of Canberra and surrounding suburbs — from Belconnen to Queanbeyan.
Call Us: 1300 332 834  Arrow Left
Book Your Free Canberra Debt AssessmentArrow Left

FAQs - Debt Help in Canberra

Yes. We support clients across all of Canberra and the ACT region. Distance isn’t a barrier.

No physical visit needed. We handle everything via phone or secure online tools.

Yes. Once you begin a formal or informal plan, we can request they deal directly with us.

Absolutely. It’s a nationally legislated solution regulated by AFSA and available in the ACT.

No. In most cases, we help people protect their assets while dealing with unsecured debts.

Debt Agreements do impact your credit score for 5 years. Informal plans may not.

That’s completely okay. We regularly help clients who are receiving government support.

Yes. We assist many sole traders, contractors, and ABN holders with tailored plans.

Some solutions begin within 24–48 hours after assessment.

Yes. Most unsecured debts — including Afterpay, Zip, ATO, and energy arrears — can be included.
×
Debtfix Popup Image