Deft relief and debt management

Debt help when you need it most


        
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Get debt relief to take financial control

We are here to provide you with support in the form of debt relief and debt negotiation to help you to meet your financial goals. 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 isn’t a light at the end of the tunnel, but our debt relief process can help get your finances back on track. 

Do you feel overwhelmed with debt?

Take back control of your finances with debt relief and debt negotiation. Debt relief is the process of reducing or refinancing debt in order to make it easier for the borrower to repay it. Debt Consolidation Australia act as a barrier between yourself and your creditors. We are here to find financial solutions for you.

Falling behind with debt can make it extremely difficult to catch up again. Fortunately, there is a way out in the form of debt relief. Imagine being able to reduce debt, change repayment terms and stop creditor calls. Too good to be true? Think again.

At Debt Consolidation Australia, we are help you to cross the hurdle of debt. We have helped thousands of Australians to take control of their finances. With over 30 years of experience, our specialist team is trained to tailor debt relief to suit your needs.

Enquiring with us has no implication on your credit file, so you can get help with confidence.

feel overwhelmed by debt?

Applying for debt relief in Australia is a quick and easy process

What is debt relief?

debt relief and debt management

Debt relief is the re-adjustment of debt to provide a full or partial reduction of a person’s debt. Depending upon the circumstance and the amount of debt owed, your debt can be negotiated down to a newly agreed figure of which all parties are happy with.

Debt relief can involve reducing the outstanding amount, extending the loan terms and lowering interest-rates. Often, debt relief can be the final course of action before going into bankruptcy. You might be wondering: “Why would creditors agree to reduce my debt?” This is where Debt Consolidation Australia come in.

Does debt relief work?

We have over 30 years of experience within the finance industry. Along the way, we have built esteemed relationships with creditors. We are now able to negotiate deals between creditors and our clients and find a middle ground to suit both. Creditors want their debts paying, and our clients can’t afford to pay the debts. So, by agreeing a compromise, our creditors can move forwards happily knowing they are going to be paid, and our clients can take advantage of lower fees to help them to pay their debts off more easily.

If a massive debt load makes it difficult to service borrowings, for example, creditors may be amenable to restructuring the debt and providing relief rather than risk the borrower defaulting on its obligations and increasing overall credit risk. Refinancing a mortgage to a lower interest rate is one straightforward example of debt relief.

If debt relief is achieved, then Debt Consolidation Australia will act as your brick wall going forwards. We will take on the entirety of your debt so you only have to answer to one entity. This means no more hassling creditor calls and no more endless payments to different creditors. Instead, you simply have to make one, lower payment each month to us. Debt Consolidation Australia are your safety net.

stressed due to credit card debt

How to get debt relief Australia

Keeping on top of debt is tough and it can be very easy to fall behind. However, it is important to get help before it’s too late. Becoming overwhelmed by debt can lead to:

- Missing repayments & getting a poor credit rating.

Missing repayments & getting a poor credit rating

This makes it hard to get loan approval and can increase interest-rates.

car loans debt consolidation

Have assets seized

If you cannot pay your debts back then your creditors may take control of your assets including property, cars and other items of value.

Bankruptcy

Bankruptcy

A situation nobody wants to encounter. A lasting mark against your name which can ruin your life, bankruptcy can happen if you lose control of your debt.

You can apply for debt relief by getting in touch with Debt Consolidation Australia. Our specialist team will look at your current situation and determine whether debt help could be a solution for you.

budget more easily

Set your budget

We can help to establish what you can afford to pay your creditors based on your current circumstances.

easy payment plan with debt consolidation loans

Arrange payment terms

We will work with your creditors and arrange for them to accept payments based on your financial situation for a period of time, typically six months.

Get financed as fast as 48 hours after applying

Manage payments

We’ll manage all the payments to your creditors to make sure they are paid on time, every time so you don’t need to worry about it again.

Can Debt Consolidation Australia help me?

Debt Consolidation Australia is a well-respected and trusted company. Our debt relief and management services can help you get back in control of your financial situation.

Our team is highly experienced in helping people based on their individual circumstances. We are able to work effectively with credit providers to reach improved, agreed payment terms and then manage these payments on behalf of our clients.

We aim to provide transparency, clarity and structure to your finances. You can sleep easy with lower repayment plans with clear terms communicated to you efficiently by our expert team.

If you choose to go ahead with debt help, then it comes with many advantages and opportunities. However, before seeking debt relief, it might be useful to follow the steps recommended to you by the ACCC (Australian Competition & Consumer Commission). They suggest a number of options to consider before resorting to debt help.

Apply for debt relief

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

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.