If your finances are in a mess, you’ve got defaults and are starting to get threatening letters from creditors, it could be time for a Formal Debt Agreement.
It’s no small matter, as it’s an ‘act of bankruptcy’, but it will stop things getting worse and give you an opportunity to start reducing your debt.
Sustainable, affordable payments, to help you get your debts under control
The team at Credit Counsellors Australia can take the stress away from worrying about your debts. By setting up a Formal Debt Agreement with your creditors, we can negotiate a repayment amount that you can handle and also reduce the overall debt that you have to repay at the same time.
A Personal Bankruptcy (which is the most serious debt option) is quite damaging. Your ability to borrow in the future will be severely limited for 5 years or more, and your lifestyle will have restrictions too.
While a Formal Debt Agreement is done under the Bankruptcy Act (‘Part IX’), it only stays on the public record for 5 years.
Here’s how it works
We give you a FREE Debt Assessment
to establish your situation
We discuss with you your options as
well as the pro’s and con’s of each one
We’ll contact your creditors
and work out a rate/amount you can afford to pay
We handle the process of formalising the agreement,
getting it agreed and signed by all of the parties
We then work with you
to help you stay on track and build for the future
Here's what some of our 10,000+ happy customers have to say
“I don’t think I could have organised my finances without you guys. Thank you for your genuine concern and professional service”
R.W.
“Thank you for your call and for your assistance with my credit card debts. I have been very stressed and depressed about my financial situation and I feel so much better, after speaking to you yesterday afternoon. I wish that I had contacted your company earlier, when I started struggling to pay my bills.”
Monika S.
“One payment to go! Please know that you have helped us out greatly. Without all your help and support we not be where we are today”
L.J.L. QLD, Australia
Without your support I would not have been able to continue meeting my living expenses and repayment obligations. Your support and counselling have been invaluable to me and have help me understand how better to handle my finances. The help and support you provide is a wonderful asset to people in my position.
J.H
“Just wanting to thank you for outstanding service. Your help in our time of need is now allowing us to dig ourselves out of a deep depressing hole.”
If you feel like your finances need rescuing, then talk with us today
Our team of experienced, friendly counsellors will help you get your situation sorted out. Give us a call on 1300 003 328 or simply fill in your details and we’ll contact you soon.
1300 003 328 
1300 003 328
R.W.
