Frequently Asked Questions

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

Australia currently has record high levels of debt, more and more people get into a situation where they struggle to meet their repayments. We believe there is a better solution for people in financial stress, Way Forward was established to assist people manage their debts.  

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.

As a not-for-profit organisation, our sole purpose is to support our customers. You can trust us to always act in your best interest.

In addition, we take your privacy and safety seriously. We have protocols in place that 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 us the permission to do it.

We think it is important to provide help to those people that currently cannot get adequate support. We focus on people that struggle to pay unsecured debt (credit cards, personal loans, payday loans, etc.) with 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 can speak to your creditors on your behalf, saving you time to focus on the important issues in your life. We can make sure that you get a reasonable arrangement where you pay what you can afford and have enough money to cover your living expenses. We make things easy for you, by allowing you to make a single 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.

A repayment plan is an agreement between you and your creditors to pay off your debt with an affordable amount.

After we look at your income and expenses, we discuss with you how much you can afford to pay towards your debt. With your permission, we will then contact all of your creditors and negotiate the changes to your repayment amount. We realise that most people want to pay their debt back, but just cannot afford their regular payments with high-interest rates, fees and extra charges. We try to reduce your repayment to an amount you can afford by asking your creditors to consider reducing or stopping interest, waiving fees and charges or a reduction of the debt.


No. All our services are completely free to you. In addition, 100% of what you pay goes towards reducing your debt, so unlike most other providers we do not take a cut of your payments.

Easy – just give us a call!

We understand that your situation may change in the future. If things become more difficult for you, you can always call us and we try to adjust your repayment plan. Or if things improve and you prefer to repay your debt faster, that is possible as well.

We may also check in with you every now and then, just to make sure that you are still happy with your repayment plan.

If we believe that other organisations can provide better support, we will refer you to them. Some situations that fall outside our scope are clients with problem gambling, homelessness or no capacity to make repayments.

This is not a Part 9 or Bankruptcy, this is a hardship variation. We ask your creditors to stop the repayment reporting on your credit rating and not to put a default listing on your credit report. However it may impact on future lending with your current creditors.