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Get In Touch For a Free Debt Assessment

Your answers today are 100% confidential.

Why People in Perth Need Debt Help

Perth families are feeling the squeeze. From the rising cost of groceries to surging rental prices and interest rate hikes, many West Australians are turning to credit cards, payday loans or Buy Now Pay Later just to stay afloat. 

Recent headlines in WA show more people than ever struggling to manage their repayments. Whether you’re in Joondalup, Rockingham or right in the CBD, you’re not alone — debt stress is affecting thousands across the city. 

Debt Fix helps Perth residents get out of the spiral. 

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Debt Solutions Available in Perth

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
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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

We tailor our approach to your income and situation — no upfront fees, no pressure, and no shame.  

Which Debts We Help With in Perth

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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Perth Debt Relief Image

Localised Example: Perth Debt Relief in Action

We worked with a single mum in Baldivis carrying over $28,000 in credit card, BNPL and utility debt. Her creditors were calling daily. After a free consultation, we set up a Part 9 Debt Agreement that reduced her repayments by 62%, stopped interest, and gave her breathing room to support her kids." 

We’ve helped locals from Midland to Mandurah get back on track. 

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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
Suited to Sydney renters/homeowners  Checked Icon Green Checked Icon Green Checked Icon Green
 Not sure which to choose? We’ll walk you through it, step-by-step, for free. 

How the Process Works (Simple Steps)

Sydney Debt Process 1

Free phone or online assessment 

Sydney Debt Process 2

We review your debts and income 

Melbourne Debt Process 3

We explain the best options, tailored to you 

Brisbane Process 4

If you choose to proceed, we prepare your plan 

Brisbane Process 5

You begin one manageable repayment

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Why Brisbane Residents Choose Debt Fix

20+exp Two
Trusted by West Australians for over 20 years 
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No offshore call centres — real help, locally delivered
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Immediate support, not delayed paperwork
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Clear, honest advice — even if we can't help, we’ll guide you 
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4.9/5 average customer rating nationwide 

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 help clients across WA — from Perth to Bunbury to Geraldton. 
Call Us: 1300 332 834  Arrow Left
Book Your Free Perth Debt AssessmentArrow Left

FAQs - Debt Help in Perth

Yes, we work with clients across all Perth suburbs and the wider WA region.

No. All assessments and plans can be handled over the phone or online.

Yes. With options like a Part 9 Agreement or Informal Plan, we can freeze interest and stop late fees.

Absolutely. Debt Agreements under the Bankruptcy Act apply nationwide, including in WA.

Yes. We routinely include Afterpay, Zip, credit cards and other unsecured debts.

Some solutions will impact your credit report. We explain the pros and cons before you proceed.

That’s okay. Many clients are receiving government support. We build a plan that suits your situation.

Yes. We specialise in flexible arrangements that account for variable cash flow.

Yes. Even if you’ve missed payments or are in collections, help is still possible.

If you call today, we can begin your free assessment within 24 hours.
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