What we will do for you!

Consolidate your unsecured debts - up to a maximum of $80,262/individual. Reduce all your current repayments into just the one simple repayment. Eliminate your current unsecured debts in 2-5 years. Stop debt collectors and creditors from hounding you for payments. Relieve the pressure and stress that comes from constantly worrying about debt problems. Who we are … We are an Australia-wide company whose aim is to assist clients with a legitimate hardship, who are in over their heads with unsecured debt and have no workable way out. Once out of debt you can then learn how to maintain a debt free lifestyle so the same thing does not happen again.

Types of Debt We Can Help With

We work with unsecured debts that have no type of asset attached to them, like a house, a car, a motorbike, a boat, etc. Debts we can help with include:

Credit Cards Store Cards GST Tax Debts Repossessed Car Loans Overdrawn Bank Accounts Old Mobile Phone Accounts School Fees Old Internet and Cable TV Accounts Business Debts Rent From Previous Addresses Old Medical and Hospital Accounts Old Car Repairs Bills

Personal Loans Income Tax Debts Dental Bills Old Debts now with Collection Agencies Old Electricity/Gas Accounts (from previous addresses) Old Telephone Accounts Childcare Fees Solicitor Fees Judgements Insurance Claims Old Car Mechanic Bills To Name But a Few

Types Of Debt We Cannot Help With

We cannot work with loans that have assets attached to them; i.e. if you stopped repaying the loan, the asset would be repossessed. The other type of debt we cannot help with are loans that are backed by the government, such as HECS. Some specific examples of debt we cannot help with include:

Home Loans/Mortgages Child Support HECS Debt Current Mobile Accounts Court imposed Fines

Car Loans secured by the vehicle Current Utility Bills Current Telephone Accounts Any loan secured by a house or car

How We Consolidate Your Debt

We consolidate debt under Commonwealth Government Legislation. This debt consolidation method is called a Debt Agreement. Because it is government legislation, there are a number of criteria. If your circumstances fall within these guidelines, in most cases we can help you with a debt agreement …

1. You must be struggling to pay your unsecured debts.
2. You cannot have been bankrupt in the last 10 years.
3. Your net weekly pay (after tax) cannot be more than approximately $1,154.45.*
4. Your unsecured debts cannot be more than approximately $80,262.*
5. You cannot have equity in a home of more than approximately $80,262 – for mortgages in joint names; this will mean equity of $160,524.*
   (* These limits change from time to time according to updated legislation. Current 23/07/2008.)

Under the legislation, once your application is processed by the government, your creditors must cease charging you interest and fees. This means you are effectively paying back the principle. For most of our clients, their repayments seem to only cover the interest and fees charged by the creditor – a go nowhere situation. Also, under a debt agreement, any creditors who are chasing you and any legal action that may be going on, MUST STOP. There is a trade-off to doing a Debt Agreement and that is it will go onto your CRA and remain there for 7 years. For people who enter a Debt Agreement, they are happy with this trade-off. They never want to see another credit card in their life!

Stop Drowning In Debt … Do Something About It Today.

Call today for a FREE PHONE CONSULTATION on 1300 553 604 or CLICK HERE to complete our enquiry form.

Our FREE CONSULTATION is intended to help you make the right choice in handling your debt problems, regardless of what direction you decide to go. The call is completely confidential, non-pushy and we assure you that we will give you the right advice for your situation. There is usually a correct and workable solution for just about everyone.