Debt Consolidation

Our friendly & professional personal advisors are trained to provide you with expert advice on debt help. Talk to us and make your decision.

Debt Agreements

If you are in debt then a debt agreement may be a solution for you. Talk to our specialists and decide


Bankruptcy may be the right solution for your debt problems. It can offer you peace of mind and help you regain control of your life.

Other Solutions

There are several other options to deal with your debts. Before you make any decision or take any steps talk to us.

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Experiencing Mortgage Hardship?
posted 10 May 2016

Given the recent downwards movement in interest rates, many borrowers have been fully focused on paying down their mortgages as fast as possible to give themselves an equity buffer in case something goes wrong. However if you have recently lost your job, experienced a business downturn, or a period of unforeseen illness there is something that you can do to protect you and your family from loosing your home or going bankrupt. Speak to Your Lender The first step to Continue Reading

Is debt consolidation always the best solution?
posted 5 Apr 2016

Debt consolidation is the process of putting all your outstanding debts into a single loan thereby supposedly saving money and making debt repayent easier. In reality debt consolidation can take place in many different ways not all of which may be the right solution for every debt ridden borrower. Borrowers who have significant assets but can not meet debt repayments because of low income There are a number of options available for such borrowers. The best option probably is to Continue Reading

Cash is no longer king
posted 22 Mar 2016

It is no wonder that more and more people are finding themselves caught in a web of debt. Cash has become a four letter word with many retailers and service providers not willing or able to accept dollars and cents in payment for their goods and services. It does not matter whether the purchase is a small or a large one. Even  your local caffeine traders prefer to see you wave a bit of plastic in payment for a latte, Continue Reading

National Hardship Register may help you
posted 23 Feb 2016

Its all very well if you are working and paying off your debts slowly. You may find the debt repayment process challenging but not impossible. There are multiple debt consolidation and rationalisation options available which may assist to reduce set repayments without needing to damage your credit history or declare bankruptcy. It is much harder to find an effective debt solution for individuals who have no way of repaying their debts no matter what they try. The National Hardship Register Continue Reading

Debts which can wait
posted 31 Jan 2016

Not all debts are equally as urgent. In deciding which debts can not wait you would need to consider the cost of delaying repayment and the impact on your ability to borrow elsewhere. So while credit card debt tends to hold the number one priority in the urgency of repayment, followed closely by other loans such as your car loan, personal loan and your home mortgage – other debts can wait and in fact can be paid off over  very Continue Reading

Can I put all my debt into a single loan?
posted 11 Jan 2016

We get to hear this question a lot. Individuals with numerous cards, personal loans and the like who are having trouble paying all their debts are looking for a simpler and easier solution to their debts. While the answer largely depends on the appropriate debt solution for the individual, it is important to remember that different types of debts may need a different approach. All debts in one There are a number of ways in which it may be possible Continue Reading

How much interest should you pay on your debt?
posted 7 Dec 2015

There is little consensus on this subject. However much depends on the borrower, the amount of debt and the purpose of debt. Credit providers are trying to charge borrowers as much as they can, while borrowers are seeking out the best possible finance deals which can save some some money. Then there is the  Australian government who would like property investors to go away or at least to go into temporary hybernation – to this end they have encouraged lenders Continue Reading

Which debts should you pay off first?
posted 10 Nov 2015

If you are like most Australians, you are probably juggling bills and debt repayments. There is the mortgage, car loans, credit cards, as well as other bills such as utilities which have the nack of arriving just as you have allocated your last dollar for the month. So like others you probably decide that some bills are more important than others resulting in occassional late payments to credit and service providers. Late payments can affect your cost of credit Since Continue Reading

About Us

Debt Solutions represents a Leading Team of Debt Professionals in Australia. Help is just a phone call away

We can assist with a range of debt solutions including:

- Debt Negotiation;
- Formal or Informal Debt Agreements;
- Personal Insolvency Agreements;
- Bankruptcy

You can relax knowing that the people you speak to are licensed by ASIC and regulated by ITSA with many years of experience in helping Aussies beat the Debt Demon.

Give us a call any time from 8am to 7pm Monday to Friday and 10am to 3pm on weekends. All calls are completely free and confidential.

Alternatively complete our short enquiry form and we will contact you to discuss your situation and possible solutions.

Services & Solutions

It does not matter how large or small your debt problem is. You may be looking to consolidate debts so that you can save a little every month, or consolidate to avoid bankruptcy.

There is a Debt Solution that is right for you. We work with debt and bad credit specialists who help people regain sanity in the face of mounting debts. We enjoy flower delivery Melbourne this website

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