How we can help

1. Debt Agreement

If you are having trouble repaying your debts, the Debt Agreement (Part IX of the Bankruptcy Act) solution may be your answer. It is hassle free and affordable and enables you to retain your assets or business and avoid the serious consequences of bankruptcy.

We have assisted many people in resolving their financial problems through Debt Agreements. We prepare proposals, apply to ITSA and negotiate with the creditors on your behalf to help you stop interest cost and extend the repayment period so you are not threatened with bankruptcy.

With the Debt Agreement solution, a single debt amount will replace all your multiple loans and debts. Effectively, you will have only one debt and one repayment to worry about. The higher interest rates you have been paying on credit card debt will stop with this solution.

2. Asset Protection

If your assets are under threat from finance companies or banks because of your credit card debts, personal loan debts, mobile telephone bills or other consumer debts, we can help you formulate a strategy to protect and retain your assets and avoid bankruptcy.

3. Financial Budgeting

• We will draw up a weekly / fortnightly / monthly budget with you (and / or your family) to determine your income and expenses.
• We then offer this budget to your creditors and negotiate an affordable installment amount to repay your debt.
• This amount can be direct debited from your bank account on the same or following day as your wages are paid.
• Alternatively, we can provide you with a deposit booklet to help you pay this amount at any National Australia Bank branch.

Call Melissa now at 1800 212 452 or complete the form here so we can work out the best option for you without obligation.

We have successfully help over 600 Australian families since 2002. Our services come with a very small fee of only $950. This setup fee can be paid according to any repayment plan that is suitable to you.

This fee will cover all the below service:

• Consultation to ascertain the best solution to solve your debt problem
• Consolidating all your debts into a single loan amount
• Preparing and organising all paperwork for the loan consolidation
• Negotiating with your creditors and getting you the best deal
• Providing you with advice throughout the process
  

We are friendly and approachable. We will provide you with personal care and service.
Here is our step by step process for helping you to resolve your debt problems.

1. Meeting with you (or you & your partner) about your debt situation.
2. Identify the debts owing.
3. Ascertain your eligibility for Debt Agreement under the Act.
4. Work out a solution that will best help you out of the situation.
5. Prepare a repayment plan weekly, fortnightly or monthly that will help you completely pay off the debt over a period of time.
6. We put a repayment plan forward to your creditors for their approval

We act as your administrator and distribute your repayments to the creditors.

If your Debt Agreement is accepted:

1. Your creditors cannot continue legal action against you to recover debt
2. All legal enforcement will be frozen
3. The sheriff cannot take action to sell your assets
4. Creditors cannot proceed with Creditors’ Petition to make you bankrupt