Debt negotiation

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Debt negotiation can help reduce your debt

We are here to provide you with debt negotiation to help reduce the amount and terms of your debts. Our aim is to match your needs with debt relief. Our team of finance specialists have helped thousands of Australians improve their debt situations. It might seem like there is no hope, but our debt negotiation process can help to put you back in control of your finances.

Debt negotiation frequently asked questions

Are you in a position where your debts are increasing by the day and you have no way of actually paying them off? You’re not alone, debts can get out of hand due to a number of factors that are often out of your control, such as losing your job, illness, divorce or getting into an accident. The bills pile up, and before long you find yourself falling behind and unable to make ends meet. Now what?

This is where Debt Consolidation come into the picture. We offer you debt help when you need it most, so you can reduce debt and find the right solution for your needs. We can take you down the path of debt negotiation to get you back on track and back on top of your finances.

Remember, bad credit doesn’t mean you are a bad borrower. We recognise that and are the help you need.

Debt negotiation is one approach you can take when it comes to reducing or eliminating your debt altogether. It takes place between you, the borrower, and the lender, with the aim to find a mutually agreeable amount to settle on to clear your debts. Of course, lenders are generally very experienced in the art of debt negotiation, while you as a consumer will no doubt feel out of your debt when navigating these waters. This why it is common to engage the services of a business, such as Debt Consolidation, that is experienced in the art of debt negotiation. This levels the playing field and gives you the best fighting chance at finding a way out of your debts.

Debt negotiation can only work and be carried out if the lender is willing to settle for a lesser amount to be paid overall for your debt, or to change the terms of your debt with lower monthly payments. Essentially, the entire process is a negotiation aimed at giving you as the borrower a lesser amount to pay back on your loan, or a more manageable way to pay it back. It is quite common to go through several different stages of negotiations before finally settling on an agreement. If you are looking for a quick fix to reduce debt, this isn’t it. It takes time and experience to get the results you need and there is a degree of commitment required for the negotiation process.

Our aim at Debt Consolidation is to take the emotions out of it. We handle the process for you and do our best to ensure you get the best deal possible to reduce debt.

Here at Debt Consolidation we act as debt negotiators, but what exactly does that mean? We aid in the process of debt negotiation and act on behalf of our clients to get the best deal possible. The fact is, lenders have both industry experience and knowledge when it comes to debts and finances. You as the consumer don’t have the same insights, which means when you enter into a debt negotiation with your lender, they have a steep advantage on you.

That’s where we come in. Our aim is to level the playing field and bring that degree of expert knowledge to the table. We help you take emotions out of the picture and enter into the negotiations on your behalf. Our specialist team is trained in the legislation surrounding debt in Australia. This allows us to work to lessen your debt as much as possible, leaving you in the best financial position at the end. It’s a slow process, and can often involve several different stages before you even reach an agreement and reduce debt. Our established relationship with credit providers will help to speed up the process and create a greater understanding of your circumstances with your lender.

It’s very normal to feel angry at your lender and possibly even intimidated by them. They are generally after one thing: money. This means they aren’t likely to listen to your story of divorce, losing your job, getting into an accident, or something else. This misunderstanding often leads to a lack of communication and in most circumstances, avoidance altogether. This results in defaults and other financial complications that can leave you in a worse position over time.

So, how can you reduce debt with debt negotiation? It starts by seeking the help you need. Every single person’s situation is entirely different and a different approach may need to be taken to get you back on track financially. It helps to speak to experts, such as our team at Debt Consolidation, to use our industry knowledge and experience to get you back on track. We offer a tailored service that is geared at your individual needs. We speak to creditors on your behalf, which means emotions are kept out of it. It’s a great way to have your story and circumstances heard without heated discussions and raised frustrations at the situation.

By entering into a debt negotiation with your creditor through us, we aim to give you your best chance at having your debt reduced. It can start by having a smaller amount to pay off each month to make it more manageable for you, or can mean a reduction in the amount of money you have to pay overall.

Employing a debt negotiator to deal with your creditors is an effective way to level the playing field. But it’s important to make sure you find the right service, or you could find yourself worse off as a result. When it comes to debt negotiation, you need to do your research and find a company who has experience, knowledge and genuinely has your best interests at heart. Here at Debt Consolidation, we have more than 30 years of finance experience, with a trained specialist team that can tailor your debt negotiation to your needs. It is our aim to help you take back control of your finances and get back on track with your debts.

Yes. Once your consolidation loan has been approved, we can release payout payments to your credit card providers. Acting on your behalf, we can also help you organise your paperwork to get this sorted quickly.

When faced with seemingly insurmountable financial issues, many people can become easily overwhelmed, but there is help available. To find out if debt consolidation is the right approach for you, you should consider getting independent financial advice.

See moneysmart.gov.au for useful information on managing your debts. Free financial counselling and free legal advice is also available.

We can also help with debt management assistance such as debt negotiation, informal debt arrangements, and formal debt agreements.

Apply for debt negotiation

The best way to find out if you can receive debt relief Australia is to enquire here. It has zero impact on your credit rating and there is absolutely no obligation. One of our team will be in touch with you within 24 hours. Our finance specialists will take a look at your situation and determine whether we can help to meet your needs. From here, you could receive financial support within 24 – 72 hours if you qualify.

Talk to our team at Debt Consolidation

A debt specialist will contact you

We will contact you within 24 hours.

Debt Consolidation will let you know very quickly how we can help and advise you of your debt management options

We will make a decision

This is a speedy process.

Debt Negotiation

Receive support if accepted

Usually between 24 – 72 hours