Debt Solutions

If you’re overwhelmed with unsecured debts and can’t meet repayments, a formal Part IX Debt Agreement may offer the legal protection, frozen interest, and structured repayment plan you need to move forward. We’ll assess your eligibility and guide you through every step. 

Not eligible for a formal agreement? We offer flexible informal plans that allow you to negotiate manageable payments with creditors without the credit file impact of formal insolvency. Perfect for those needing breathing room without permanent financial consequences.  

If your credit file and income allow it, we’ll help you explore debt consolidation loan options to bring your debts into one manageable repayment. We’ll only recommend this if we’re confident it’s in your best interest. 

Already own a home? We can connect you with lenders to refinance your mortgage and potentially reduce your overall repayments or access equity responsibly. 

Life doesn’t stop because of past financial trouble. If you’ve completed a debt agreement or are rebuilding your credit, we may be able to help you secure a second-chance car loan.  

Most Australians in financial difficulty don’t know the difference between a Debt Agreement, a consolidation loan, or bankruptcy and they shouldn’t have to figure it out alone.