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Get In Touch For a Free Debt Assessment

Your answers today are 100% confidential.

Why Melbourne Residents Are Turning to Debt Fix 

Melbourne is one of Australia’s most vibrant cities — but for many, the cost of living is spiralling out of reach. Mortgage stress, surging rent prices, and unstable casual employment have left thousands in the metro area battling unmanageable debt. 

"From Dandenong to Brunswick, we speak to people daily who feel like they’re drowning in repayments they can’t keep up with. Whether it’s maxed-out credit cards, Buy Now Pay Later bills, or tax debt, we help Melburnians reclaim control.  

If this sounds familiar, you’re not alone. Debt Fix has supported Melbourne locals for over 20 years. 

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Debt Solutions Available in Melbourne

We help you find the best fit from options including:

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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

All options come with no upfront fees, and tailored advice.

Common Debts We Help With in Melbourne 

We work with unsecured debts like
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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Melbourne Debt Story Image

Real Story: How We Helped a Melbourne Family

A family in Cranbourne had over $48,000 in credit card, BNPL, and tax debt. They were behind on rent and receiving calls daily. 

We created a formal debt agreement:

  • Consolidated 6 debts into one weekly payment 
  • Stopped all interest and collection calls 
  • Reduced repayments by over $320/month 

"It saved our marriage," they later told us. 
From Footscray to Frankston, Debt Fix is helping. 

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 Cross Icon Red (loan criteria apply)
Unsure which fits? Let’s find the right one together. Our Melbourne team offers free assessments with no obligation.

How Our Melbourne Process Works

Sydney Debt Process 1

Free phone or online assessment 

Sydney Debt Process 2

We review your debts and income 

Melbourne Debt Process 3

You choose the right solution with our help 

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We negotiate with creditors on your behalf 

Sydney Debt Process 3

You start one affordable payment and get breathing space 

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Why Sydney Residents Choose Debt Fix

20+exp Two
Over 20 years of experience helping Victorians 
Upfront Fees Icon
No upfront
fees
Real People Icon
Real people, local
insight
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We act fast to stop collection calls and interest 
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Fully licensed under AFSA 

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 Serving Melbourne and all VIC regions including Geelong, Bendigo, Ballarat, and surrounding suburbs. 
Call Us: 1300 332 834  Arrow Left
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FAQs -Debt Help in Melbourne

No. All support is remote. We help clients across VIC over the phone or online.

Absolutely. We support all of Melbourne and regional VIC — including Dandenong, Werribee, Geelong, and beyond.

Yes. It’s part of the national Bankruptcy Act and applies across all states, including VIC.

Most of our clients keep their home. We assess your mortgage and equity to ensure you’re protected.

Yes. As long as you have some income, we can often help you negotiate manageable repayments.

Only formal agreements or new loans will appear. Informal arrangements typically don’t affect your credit.

Yes. Once your plan starts, we inform creditors and request calls stop immediately.

We help with unsecured debts: credit cards, BNPL, loans, tax debts, medical bills, and some fines.

Assessments take 24–48 hours. Once your plan begins, relief can start immediately.

Yes. We work with sole traders, gig workers, and business owners. Flexible options available.
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