We understand your situation
We collect your information and come up with a plan
We negotiate with your creditors
When you call us, we ask a few simple questions to understand your situation. Including questions around your personal circumstances and challenges, debts and repayments and your income and expenses. From this we can work through options for you to make the final decision to help you get out of debt.
In addition to the support we offer and depending on who is best able to assist with your circumstances, we can also connect you with a financial counsellor, other community organisations or your creditors hardship team. Ultimately, the choice is completely yours!
A repayment plan is an agreement between you and your creditors to pay off your debt. To develop a repayment plan we look at your income and expenses, then discuss with you how much you can afford to pay towards your debt. With your permission, we contact all your creditors and negotiate the changes to your repayment amount.
We realise that most people want to repay their debt but simply can’t afford their current repayments. We work with your creditors to find an affordable repayment arrangement.
As a registered charity our focus is you and assisting you with your situation. As a not for profit organisation we do not profit from the services we provide. We only exist to support people who are unable to repay their debt. We will always act in your best interest.
We also work with other community organisations such as financial counsellors. This means that if we can’t assist, we make sure you get the support you need by introducing you to someone who can.
While we are completely independent, we are supported by the Australian Banking Association and the largest banks and creditors in Australia. That means we can negotiate with all your creditors with confidence on a solution that looks at your whole situation with all your creditors, which means a better arrangement for you.
Do you have money left after covering all your living expenses to repay some of your debt? and are your circumstances unlikely to change? If the answer to both these questions is yes, then we can help.