Way Forward is a not for-profit-organisation helping people in financial difficulty become debt free.

We have a dedicated team that provides free debt advice and free financial support to help you deal with your debt and set up a solution. Our hardship advocates have extensive experience handling creditors, negotiating better outcomes and providing debt relief for our clients. Our service has no ongoing fees or charges.

At Way Forward, we are a debt relief charity with a vision to create a society free from problem debt.  We help those in debt get back on their feet.

How we can help you

  • 1We provide free assistance to people in financial hardship but who still have income, by helping them to get out of debt faster
  • 2We establish a workable budget
  • 3We advocate for affordable arrangements with creditors (importantly – we are not a Part IX Debt Agreement or Bankruptcy)
  • 4We help with debt repayments, so you can make one regular payment to us, which we then distribute to your creditors

“Having this fixed payment, knowing that there’s a final term to the repayments and Way Forward managing things on my behalf allows me to focus a lot more on important things like getting the business back on track.”

Way Forward’s client Adam

Who can we assist?

People we’ve helped get out of debt

Our supporters and partners

Way Forward is the combined initiative of corporate and community organisations that are committed to helping people all across Australia find out how to get out of debt with free, simple and accessible debt advice and debt management services. We are proudly supported by the following organisations:

Australian Banking Association logo
SVA - Social Ventures Australia
Thriving Communities Partnership - Connect. Collaborate. Impact.
ANZ logo
bankwest logo
Bank of Melbourne logo
Bank SA - Let's do this - logo
Collection House Group
Commonwealth Bank logo
HSBC logo
Latitude logo
NAB logo
Panthera Finance Logo
St George logo
Suncorp logo
Westpac logo
ZIP logo

Frequently asked questions

Way Forward is a not-for-profit organisation established to help people manage and repay their debt.

Way Forward exists to negotiate with creditors on behalf of our clients. We work with our clients to develop a plan for repayment in as short a timeframe as possible.  We also stop the phone calls from creditors.

We help people to negotiate arrangements with their creditors so they can repay what they can afford. This allows you to return to financial stability in a reasonable time. In addition, our solution does not have the negative consequences associated with bankruptcy

Australia currently has record high levels of debt, more and more people get into a situation where they struggle to meet their repayments. Way Forward was created in response to the alarmingly high number of people who have found themselves with unmanageable unsecured debt (credit cards, personal loans, payday loans, etc.). This means they cannot find a way out of their financial hardship.

As a not-for-profit organisation, our sole purpose is to support our clients. You can trust us to always act in your best interest. We are not selling products or working on behalf of a particular business.

We take your privacy and safety seriously. Our protocols ensure that what you share with us remains confidential. When we speak to your creditors on your behalf, we only share what is necessary to set up your repayment plan, and we only do so after you have given your permission.

We focus on people that struggle to pay unsecured debt (credit cards, personal loans, payday loans, etc.) across multiple creditors.

If we cannot assist or we believe that you could get better support from another organisation, we will refer you the right support services.

Way Forward has close relationships with creditors and a process to renegotiate debt to develop fair and reasonable repayment plans. We speak to your creditors on your behalf, saving you time to focus on the important issues in your life. We ensure you get a reasonable arrangement where you pay what you can afford and leave enough to live. We make things easy for you, by allowing you to make a single regular payment to us, which we then distribute to your creditors.

We will look at all your debt when we assess your situation and determine how much you are able to repay. At the moment, we focus on helping customers with their unsecured debt only.

If you have secured debt (e.g. a mortgage or a car loan) we will outline some options for where and how you could get support. We are also happy to connect you to other organisations that are better placed to help you.