Struggling in debt? Stressed out? Need debt help?
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Debt Help Services at Debt Fix
We are committed to helping people solve their debt issues. To do this, we provide a number of options for people:
Formal Debt AgreementsA formal debt agreement is a simple way for people to settle debts with their creditors through a formal, legislative accord. Formal debt agreements are a simple and cost effective alternative to bankruptcy. |
Re-FinanceDebt Fix believes that just because you need to re-finance it doesn't mean you have to sacrifice having a great rate. Sometimes re-financing your current asset to a better interest rate can enable you to clear those high interest debts. |
Debt ConsolidationOften easier and more cost effective, to bring all your debts together into one easy monthly payment. Debt Fix is able to assess your situation and determine if you qualify for debt consolidation as a solution. |
Personal InsolvencyIf a Debt Agreement is not the most suitable solution for you, then perhaps a Personal Insolvency Agreement (PIA) is. As an alternative to bankruptcy, a PIA is another way to deal with unsecured debts. |
Non-Conforming LoansDebt Fix specialises in helping people who are in unusual or financial hardship situations. Quite often non conforming loans are the right option for the credit impaired or self - employed. |
Home LoansOne of the biggest decisions we will ever make in our lives is to purchase a new home. Debt Fix understands the financial stress involved and will guide you through every step of the way. |
Personal LoansWith access to over 30 top lenders Debt Fix can help you wade through the maze that is a personal loan. With so many products available in the personal loan market, Debt Fix can help you make the right choice. |
Debt Relief PlansDebt Fix understands people and is in a perfect position to bridge the gap between the two. Sometimes it takes a third party to help solve a problem. |
Free Advice & AssessmentDebt Fix is committed to helping people who may be experiencing problems with debt. Debt Fix believes that talking about and exploring your options is the first step in solving debt problems. |
Struggling with a money problem?
“Where can I get help when I have a debt or credit card debt problem?” is a question that’s asked time and time again but the answer is not as simple as you may think.
In most cases, it’s very difficult for people to admit that they may have a money problem because (for some reason) they believe this represents a personal failing. Let’s set the record straight, most people who find themselves in financial difficulty or distress do so because of misfortune as opposed to misdeed. There is absolutely no reason to be ashamed or embarrassed when it comes to asking for financial assistance.
When most of us need advice or assistance, naturally the first place we turn to is our friends and family. On the surface this may seem a little strange because, (unless you have a friend or relative that specialises in debt management or finance), there is likely to be very little practical, expert advice or assistance a friend or relative can offer – but the reason why we all do this is very simple and can be summed up in a single word.
Trust.
We trust our friends and family will have our best interests at heart and therefore we value highly their opinion, no matter how qualified it may or may not be. Family and friends provide emotional support and they are always there when times are tough so when it comes to taking the first step toward addressing a problem (a debt problem or any problem for that matter), more often than not we will speak with them first.
Apart from family, are there other people or organisations that you can trust for assistance or help? The answer is of course “yes” but you need to follow some simple rules when it comes to whom you place your trust, because above anything else, trust is your most valuable asset.
Choosing a debt management firm you can trust
Here are our top tips for choosing an organisation to help you with a debt problem:
1. Transparency
You need to deal with a company that is completely open and honest when it comes to how they will help you. Companies that don’t state their terms and conditions on their website or have a commitment policy should be avoided. Click here to read Debt Fix's commitment to you. Of course, if the company intends to charge you a fee for service, it should be made very clear from the outset what this fee will be and it should be affordable and sustainable given your circumstances.
2. Value
Only choose those organisations or support services that provide value. Be wary of those companies that refuse to commence work for you until you’ve paid them money or worse, insist you pay them their fee in full before they start to assist you.
3. Refund Policy
If the company can’t deliver what they promise, will they return any money they drew from you? This is an important question and sits at the centre of trust. Only deal with companies that publish their refund policy on their website.
4. Expertise
You should only deal with companies that have a proven track record. Look for those companies that have been in business for a long time.
5. Associated
Confirm whether the company you intend to deal with is a member of an industry association that has a code of practice and ethics – if they don’t belong to an industry association or they are not government registered this is a big warning sign.
Call us now on 1300 332 834 for an obligation free, debt analysis
Do you have a bad credit history?
Most people believe that a debt consolidation loan is the answer but, more often than not, the reality is that it isn’t. Don’t get me wrong, debt consolidation loans can be a terrific way to make things easier and cheaper, but if you are struggling to make repayments on your debts now, and your debts are in arrears, a bank would likely have a problem approving a loan knowing that you have a money problem.
Banks can only lend money in line with their own lending policies and “responsible lending laws”, so if your credit card borrowing and repayment history shows anything other than you paying your bills on time and using credit responsibly (i.e. not gambling) the financial provider would risk breaching their own guidelines and consumer lending laws.
So, if a loan isn’t possible, what other options are there?
With any option, the starting point is always going to be your budget. Debt Fix can help you put together and manage a budget (totally free of charge). Once we have a clear understanding of your finances and your ability to meet all your expenses, options can then be presented to you.
So what kind of debt help can you expect from a professional company like Debt Fix?
For starters, the Debt Fix team ticks all the boxes when it comes to the tips mentioned before, but in addition, we have the ability to provide a range of services and debt management plans all aimed at specifically reducing your financial stress levels and improving your financial position.
- The team at Debt Fix don’t believe in the “one size fits all” approach. We will look at your situation as a whole and examine your income, assets, debts and of course your budget and only then provide relevant, affordable options. Debt Fix takes a holistic approach and has literally helped thousands of people over the years – we’ve literally seen it all and we’re experts in delivering solutions fast.
- When you deal with a professional debt management firm like Debt Fix you should feel completely confident that you’re receiving the very best advice, and options which are suitable for your needs.
- Using the tips detailed in this article, you will be able to identify the company that is right for you and use them to regain control of your finances and set you on a path to prosperity.
Working Towards Your Debt Free Future
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Are credit cards and personal loans causing you to lose sleep? That’s OK, Debt Fix can help.
- Write off up to 70% of the debt
- One, affordable payment
- No more calls or letters from debt collectors
- No more hassles
We know it’s easy to find yourself into unmanageable debt, especially if you lose your job, become ill, suffer a relationship breakdown, or simply underestimate your ability to pay back your creditors.
Whatever the reason is for finding yourself in debt, there is a solution out there for you depending on your situation.
Debt Fix has helped hundreds of people turn their situation around. Whatever the situation we can help you find a solution.
Unlike some other companies that say they will help and then charge you non-refundable fees, Debt Fix will never add to your condition, that’s why we have a NO FIX, NO PAY policy for our debt help.
Added to this, your first debt help consultation is obligation free. We will assess your situation, run through some options and then its up to you. This way, its OBLIGATION AND RISK FREE.
To learn more about Debt Help ®, contact us now.
Call us now on 1300 332 834 for an obligation free, debt analysis
If you need assistance with your debts, there’s a good chance you have debt collectors contacting you. This can be very stressful and intimidating, however if you understand how they work and what they can and can’t do, it may just take some of the fear away and help you deal with the situation more confidently.
Here is our top FAQ’s about dealing with debt collectors:
Why am I being contacted by Collection Agencies?
Collection Agencies will contact you for payment of any outstanding debts including utilities, credit card and personal loan debt or any other outstanding contractual debt. Most Collection Agencies operate as agents of creditors however the majority of collections agencies purchase are debts.
What can happen if I don’t pay my debts?
Your debts may be sold to a debt collector for further collection. You may receive defaults on your credit file which may make obtaining credit more difficult and ultimately legal action may also be taken.
What is a Credit File?
Your Credit File is essentially your credit reputation and is a record of selected personal information which creditors use to assess and measure your credit worthiness. Your credit file reflects personal information such as your full name, date of birth, driver’s license, address and employment information.
In addition your credit file will display show any past credit activity including but not limited to late payments, defaults, court judgements and any bankruptcy information. This information is summarized by your credit score (between 0-1200)
If I have a bad credit score, can I still get a loan?
Many creditors will not provide credit if an individual they feel that their credit reputation is poor or their credit score is low. If your credit history is poor, it’s unlikely an application would be successful if you apply for credit e.g. A mortgage, a car loan, new mobile phone contract, utilities applications on a rental property, debt consolidation loans, personal loans, credit cards and store cards.
Can a Debt collector call my neighbours, relatives or my place of employment?
Yes they can, however may they are not allowed to discuss your debt or reveal your personal details.
They may contact any third party to confirm where you reside and/or work. A debt collector can only make contact three times a week and ten times a month. A debt collector may also visit your home or have an agent attend if they are unable to contact you through other means such as phone calls, letters.
Can a debt collector take possession of my assets or take money from my wages?
If you don’t pay your debts, a debt collector may enforce legal proceedings against you. This may result in an asset being possessed or your wage garnished. This may also appear on your credit file as a judgement default. When judgement is entered it allows further legal action to be taken against an individual for the outstanding debt.
If I have a secured car loan or a mortgage and don’t repay my debt what can happen?
The home loan lender can repossess and sell the home as a “mortgagee repossession” to recover the outstanding balance of the debt. Similarly the car loan lender can repossess and sell the vehicle to recover any outstanding balance owed on the debt. If the sale of asset does not cover the balance of the loan it will realise a shortfall which is then payable in full by the borrower.
If you need debt help there are many sources of assistance available to you these days. The Government have introduced a website called “Money Smart” (located at www.moneysmart.gov.au) providing information, free advice and financial literacy. Most finance providers belong to Ombudsman’s schemes (for dispute resolution) such a s COSL and FOS and of course you could always make an appointment with a free Financial Counsellor through Lifeline.
Debt Fix recommends that you should always try to come to an arrangement with your creditors first but failing any compromise, we would love to assist and believe that there is always a solution no matter what the circumstances.