How It Works

Beyond Debt exists to help people get debt free. Every year thousands of people contact us for assistance with their debt. We can help you combine all your repayment into one manageable payment and in ALL cases you will pay back thousands less compared to your current situation. Best of all we can do it without putting you in any more debt!

The first step is contacting us – You can contact us by phone, web chat or submit a contact form and we’ll call you. One of our experienced Debt Consultants will take the time to really listen to you and find out what is going on (they’re paid by the hour so they don’t hurry). They will ask about your situation, income, expenses and debts and using that information, suggest some solutions to you.

We take care of everything over the phone so you don’t have to take time out of your busy schedule and drive into an office.  You will be allocated a Personal Finance Manager who will be your single point of contact throughout the process.

Generally Beyond Debt will design a plan over 3-5 years tailored to your specific situation. For example: if you’re on maternity leave at the moment but returning to work in 6 months we can propose low payments for 6 months and then have an increase to what you can afford when you return to work.  All our plans are designed to have you debt free at the end (unsecured debts that is, it won’t affect your house or car loans).

You can say goodbye to debt collectors, as Beyond Debt will contact your creditors and get them to contact us, instead of you, as your representative.

Call 1300 284 091 today, or Apply Now!