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Get In Touch For a Free Debt Assessment

Your answers today are 100% confidential.

You’re Not Alone. Credit
Card Debt Happens to Good People. 

If you’re feeling overwhelmed by credit card bills, minimum repayments that barely move the balance, or multiple cards all charging interest, you’re not alone.  

Millions of Australians are caught in a cycle where they’re paying interest on interest, with no clear end in sight. Whether your credit card debt started from unexpected bills, job changes, family emergencies, or simply trying to get by, Debt Fix is here to help you stop the spiral and start fresh.  

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What Is Credit Card Debt?  

Credit card debt happens when your balance grows beyond what you can comfortably repay each month. Interest compounds, late fees stack up, and over time, a few purchases can snowball into thousands owed. 

You might be: : 

  • Checked IconMaking only minimum payments 
  • Checked IconUsing one card to pay off another 
  • Checked IconConstantly near or over your credit limit 

This kind of debt is unsecured — meaning there's no collateral like a house or car tied to it but that doesn't make it easier to manage. In fact, because of high interest rates (often 18%+), it's one of the hardest debts to escape from alone. 

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Why It’s Easy to Fall Behind

You didn’t plan for this. But credit card debt can grow quietly for months before it becomes a crisis. Some common triggers include:  

  • Job loss or income reduction 
  • Medical emergencies or family needs 
  • Using credit to cover essentials (rent, food, petrol) 
  • Unexpected expenses (repairs, school costs, etc.) 
  • High inflation and stagnant wages 

Credit cards offer convenience but can easily become a trap. The system is designed to keep you paying interest.  

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Signs It’s Time to Get Help

If any of these feel familiar, it may be time to talk to us:  
Your card balances haven’t reduced in 6+ months
You’re relying on credit to make minimum payments 
You’ve missed one or more payments 
You’re getting late fees or calls from your bank 
You’re using payday loans or BNPL to cover bills 
You’re afraid to open your statements 

How Debt Fix Can Help

We’ve helped thousands of Australians deal with overwhelming credit card debt through tailored solutions:  

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Part IX Debt Agreements 

  • Freeze interest and fees 
  • Consolidate into one affordable weekly repayment 
  • Legally protect yourself from creditor action 
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Informal Debt Agreement

  • Negotiate reduced or paused payments
  • No impact to your credit file
  • Flexible for short-term hardship
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Debt Consolidation Loans (if eligible) 

  • Combine card debts into one lower-interest repayment
  • Subject to credit and income checks
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What Sets Debt Fix Apart

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No Upfront
Fees

We don’t charge just to talk. If we can’t help, you don’t pay. 

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20+ Years of Experience

We’ve supported thousands across every state.  

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Personalised 
Guidance

We treat you like a person, not a number. 

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Australia-Wide Service

Online and phone support, no matter where you are. 

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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 Start?

No pressure. No cost. Just help.   

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FAQs -Credit Card Debt Australia

Yes. Credit card debt is one of the most common types included in Part IX Debt Agreements.

Yes, interest and fees are frozen once the agreement begins.

Yes, all unsecured debts must be declared.

Yes, formal agreements show for 5 years. But so do defaults and missed payments. This gives you control.

We can explore informal agreement or budgeting support. There are always options.

Eventually yes, = many clients rebuild their credit after completing their agreement.

Yes. The earlier we start, the more options you may have.

Yes, in most cases cards will be closed when entering a formal plan.

Absolutely. Every conversation is confidential and judgment-free.

Yes. We work with clients across Australia - NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
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