Debt Management

Facing up to debt problems can seem like a scary task, but once you take the first step you’ll find that the situation becomes much less stressful. You can apply for a Formal or Informal Debt Agreement by using a good Debt Management company. They offer to mediate between you and the people you owe money to – making the process much easier and smoother.

You MUST apply through this site to guarantee any rate, spread, fee or margin listed

Depending on the level of your debts (and how many people/companies you owe money to), your Debt Management specialist will be able to work out which Debt Plan is best for you. Your payments are usually gathered into one monthly payment, while any interest is frozen. This makes it much easier and less expensive to pay off your debts. Your debt collectors will not be calling anymore and you can look forward to a debt-free future!

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COMPANY	DEBT OPTIONS	MIN DEBT	MIN MONTHLY INCOME	WRITE OFF OPTIONS	ID REQUIRED	RESTRICTIONS	SUITABLE	MORE INFO
Fox Symes Debt Solutions	Debt Solutions	$10,000	Ask on application	Ask on application	Personal details and volume of unsecured debt.	See website for details	Debt greater than $10,000
Fox Symes Debt Solutions	Fox Symes provide you with a free 10 minute over the phone debt analysis and find out the best way to eliminate your debts by filling in the enquiry form. They claim to be one of Australia’s leading debt relief company and have featured on both Today Tonight and A Current Affair. DETAIL INFORMATION >>							Terms Terms If you are employed and have debts greater than $10,000 Services Services Free, no obligation service Advantages Advantages 1. Reduce your monthly mortgage or credit card repayments, 2. Reduce your interest rate so you pay the least amount possible, 3. Not have to worry so much when the credit card bills arrive each month, 4. Eliminate your credit card debt Disadvantages Disadvantages 1. The website has limited information available regarding fees and rates.
Debt Mediators Australia	Debt Consolidation, Bankruptcy, Payment Plans	Ask on application	Ask on application	Ask on application	Initially personal details	See website for restrictions	If you are having problems repaying debt or facing bankruptcy
Debt Mediators Australia	Debt Mediators Australia offer free and confidential phone consultations with their well-trained and supportive staff. They are able to help you if you are having problems repaying debts, have had a vehicle repossessed and are left with a debt or are facing bankruptcy. You can easily apply online and receive this free, no obligation advice. DETAIL INFORMATION >>							Terms Terms See website for terms and conditions. Services Services 1. Debt consolidation. 2. Payment Plans. 3. Debt Agreements 4. Bankruptcy 5. Personal Insolvency Agreements 6. Debt Repayment Strategies Advantages Advantages 1. Free, confidential advice. 2. Apply online. 3. Free and confidential phone consultations for people looking to get out of debt. The friendly staff is well-trained, supportive and respectful Disadvantages Disadvantages 1. The website has limited information available regarding fees and rates.
Debt Negotiators	Debt Consolidation/Debt Agreement/Mortgage Refinance.	$10,000	Ask on application	Ask on application	Initially unsecured loan details and personal details.	You must have an after tax income of less than $63,363.30 per annum and unsecured debts of less than $84,484.40.	Easy and affordable payment arrangement with creditors
Debt Negotiators	Debt Negotiators provide confidential, impartial, judgement-free consultation and advice on how to best consolidate debt. The Debt Negotiators team is committed to finding a practical and affordable debt solution, helping people achieve a debt free lifestyle and regaining control of their debt. DETAIL INFORMATION >>							Terms Terms See website Services Services 1. Complete a Comprehensive Budget 2. Provide you with all the information on the Debt Agreement option 3. Talk to your creditors and prepare documents for you 4. Lodged the Debt Agreements to ITSA Advantages Advantages 1. Easy Payment Plan Options. 2. Practical and Affordable Solutions. 3. Mortgage and Finance Specialists. 4. All Debt Agreements are based on affordability with payments structured either weekly fortnightly or monthly based on your personal budget Disadvantages Disadvantages 1. Terms and conditions of debt agreements are always at the discretion of your creditors. 2. By doing a Debt Agreement you commit an act of bankruptcy. 3. You will have to pay an up-front fee before the Debt Agreement is accepted for processing. 4. There is also an administration fee included in your minimum monthly payments.
ADAIS	Debt Agreement/Asset Protection/Financial Budgeting	Ask on Application	Ask on Application	Ask on Application.	Initially personal details	You must have an after tax income of less than $61,875.45 per annum and unsecured debts of less than $82,500.60	If you are having trouble repaying your debts
ADAIS	ADAIS specialise in personal credit matters that will help you become debt free without taking out another interest accruing loan. They are dedicated to providing fast responsible debt relief to suit your needs. You can easily request a call back by filling out the quick contact form online. DETAIL INFORMATION >>							Terms Terms 1. You must not have been bankrupt, utilised a debt agreement or given an authority under Part X of the Bankruptcy Act in the last 10 years 2. You must receive and after tax income of less than about $61,875.45 3. You must have unsecured debts of less than about $82,500.60 4. Your property can not be exempt under bankruptcy valued at less than about $82,500.60 Services Services 1. The creditors will have up to 30 working days to vote on the proposal. During this period, you are under no obligation to pay your unsecured creditors. Advantages Advantages 1. Protect you from bankruptcy 2. Assist you to manage your finances more efficiently. 3. Eliminate the need to make multiple repayments for unsecured debts. 4. Consolidate repayment into one amount. 5. Restructure repayment into weekly, fortnightly or monthly. 6. No security is required, and your family home is safe 7. No early repayment fee. 8. No hidden costs. 9. All legal action against you will cease 10. All debts will be frozen, and no further interest will accumulate Disadvantages Disadvantages 1. Establishment fee is $950
Get Debt Free	Debt Agreement/ Personal Insolvency Agreement / Bankruptcy/ Debt Management	Ask on Application	Ask on Application	Ask on Application	Personal details, income details and debt details.	Ask on Application	Unique debt problems
Get Debt Free	Get Debt Free understand that everyone has a unique debt problem and try to work with you to identify the best debt repayment solution for you. If you have unsecured debts which you believe you can repay in full within 2 to 18 months, the most appropriate repayment debt solution for you might be a debt management plan. DETAIL INFORMATION >>							Terms Terms See website for details Services Services 1. Complete the online debt assessment form in just 10 minutes. Advantages Advantages 1. Pay off your debts in full within 6 to 36 months. 2. Free, no obligation advice. 3. The initial phone consultation is FREE of charge and without obligation Disadvantages Disadvantages 1. Fees and charges are dependent on individual circumstances and are disclosed on individual application. 2. You have to speak to an advisor to get more information. 3. Website has limited information on it.