When your debt is keeping you up at night, you can’t make minimum repayments on your loans and you are starting to receive calls from debt collectors, we can help. You might think the only way out is to take out a debt consolidation loan. Which sees you continuing to make repayments that are stretching you to the limits.
But you may have other options available. We can take care of the hard work in negotiating with your creditors to ensure you have a loan-free solution for your debt.
We offer a range of debt solutions tailored to your needs:
If you feel overwhelmed with your level of debt, rest assured you do have options. We will work through your budget and individual circumstances and if appropriate, we can refer you to a financial counsellor.
Or we will present options that are available to you such as a hardship management plan, a debt agreement, personal insolvency agreement, or in some cases, bankruptcy. Generally speaking, one of these options are available to you if:
Fees change depending on the product and the level of debt. We guarantee you will pay less, including all fees and charges with Beyond Debt than you will if you continue paying under your current situation.
Have a chat with one of our Debt Consultants and they will calculate what your total payments could be, including all fees and charges so you are aware of the costs before making any commitment.
Yes. Bad credit does not affect what we can do.
We are part of DCS Group, one of Australia’s oldest and largest Debt Agreement Administrators. Their work has been featured on Sixty Minutes, The Today Show and ABC Radio National.
Every year they help over 1000 people become debt-free. DCS Group is audited annually by AFSA (Australian Financial Security Authority) to ensure that they are administering agreements in line with legislation (N.B: This is not an explicit endorsement by AFSA of DCS Group).
We can give you information and suggest a solution but you can’t apply on behalf of someone else unless you have an ‘enduring power of attorney’. In a situation where one spouse is more easily contactable (e.g. the other is a miner or truck driver), we can have that spouse authorised as a contact point. However, we will need to talk to the applicant throughout the process.