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Get In Touch For a Free Debt Assessment

Your answers today are 100% confidential.

Real Help for Real People — No Gimmicks

Too many companies promise the world — then hand you off to an offshore call centre or charge fees before doing anything. 
That’s not how we work. 

  • Speak to real, experienced humans — not scripts 
  • We explain all your options — even if the answer is not us 
  • If we can’t help, we’ll point you to someone who can (for free) 
  • We act on your case before you pay — not after 
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What Sets Debt Fix Apart?

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No Upfront
Fees

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Australian-owned
and family run 

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20+ yrs helping Australians get back on track

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Honest, human advice — not pressure sales 

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Solutions for every income, stage, and location

Whether you’re in Sydney, Brisbane, Hobart or regional Victoria — we help people where they are. 

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Trusted by Australians Nationwide

From Sydney’s Western Suburbs to the Gold Coast, Adelaide’s CBD to Canberra’s North, our team has helped thousands of Australians regain control. 

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Remote? No problem. We help Australians anywhere — over the phone or online. 

Compare Debt Fix to Other Providers

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We’re not just another provider — we’re an Australian business built on ethics, not volume.

What Australians Say About Debt Fix

More Than Debt Help — We’re With You All the Way

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 We act before payment — not after 

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We support you through the entire process 

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We help you protect your dignity and mental wellbeing 

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Free assessment 

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100% confidential 

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No-obligation advice — ever 

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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?

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FAQs - Why Choose Debt Fix

We’re not a faceless call centre or commission-driven agency. Debt Fix is a trusted Australian debt help company with over 20 years of experience. We offer real, judgment-free support — with no upfront fees, honest advice, and solutions that suit your situation, not ours.

No — never. Your first consultation is completely free, and we don’t charge any upfront fees to begin helping you. We act first, and only get paid if we can implement a solution that works for you.
💡 Searchers often look for “debt help no upfront cost” — and that’s exactly what we provide.

Debt Fix is 100% Australian-owned and family-operated, based right here in Australia. You’ll speak to local consultants who understand the Australian financial system — not overseas agents reading scripts.

Yes. We help people all over Australia — including rural, regional, and remote areas. Whether you're in Broken Hill, Ballarat, Bundaberg, or Broome, we can assist over the phone or online with the same care as we give our city clients.

We’ve been helping Australians get out of debt since 2005. That’s over two decades of proven results, client trust, and real-world experience across all kinds of financial situations — including recessions, housing crunches, and job losses.

Never. We don’t push products, loans, or lock-in plans. Our job is to guide you honestly, based on your budget, debt type, and goals. If our solutions don’t suit you, we’ll refer you to someone who can help — for free.

Yes — we help with a wide range of unsecured debts, including:
  • Credit cards
  • Personal loans
  • Afterpay/BNPL
  • ATO tax debt
  • Utility bills
  • Medical bills
  • Payday loans
  • Rental arrears
  • Unsecured overdrafts
  • Fines (NSW, VIC, TAS)

If you're unsure whether your debt qualifies, just ask — we'll let you know in your free consultation.

We’ll still try to support you. If you’re not eligible for one of our services, we’ll refer you to a free financial counsellor, community support, or a government resource.
Our mission is to help — even if we’re not the right solution.

Yes. We’re a licensed administrator under AFSA and fully authorised to prepare and manage Part 9 Debt Agreements. If this is the right path for you, we’ll explain the pros, cons, and process with full transparency.

Absolutely. We serve clients in every major city, including Sydney, Melbourne, Brisbane, Perth, Adelaide, Hobart, Canberra, and the Gold Coast. You’ll speak with an experienced local consultant who understands the pressures in your region.
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