Bankruptcy isn't the solution to your financial problems.

A debt agreement will allow you to:

Consolidate all your debts;
Freeze all accruing interest;
Restore your peace of mind;
Stop creditors & debt collectors harassing you;

Avoid the consequences of bankruptcy.

Benefits afforded by a debt agreement are:

• All civil court actions will cease;
• All collection actions will cease;
• Overseas travel will not be restricted;
• Your life will not be disrupted; and

Debt repayment is based on your ability to repay.

Legal actions, wage garnishees and any other forms of harassment will cease; and you will be able to pay back your debts without filing for bankruptcy.

Solve your problems by starting right now, on line, by completing a confidential debt assessment. Avoid having a Garnishee Order enforced. Recover your peace of mind.

WE HAVE HELPED THOUSANDS OF AUSTRALIANS OBTAIN DEBT CONSOLIDATION SUCCESSFULLY.

Let’s go through a real-time example. Let us show you how we help people in debt by applying a debt agreement and consolidating.

Craig and Donna are a married couple with two children.

They had the following debts: Before Debt Consolidation  

Craig and Donna were paying off six different debts, totalizing $1,421.00 every month. Their income was $3,200.00 a month, so 44% of their income was going to pay off their debts!

But more important, the interest they would have to pay was $23,000.00 over three years!

 
By a debt agreement & Debt Consolidation, Craig and Donna were able to

• lower repayments from $1,421.00 to $1,000.00 a month
• stop the interest on cards and personal loans - saving over $23,000.00
• increase their disposable income by $421.00 each month.
• stop legal actions by creditors; and harassment from debt collectors.
• manage to make one affordable monthly repayment instead of six different payments.

See a testimonial from Craig and Donna after applying Debt Consolidation:

" Just wanting to thank you for the outstanding service you’ve provided. Your help and assistance in our time of need is now allowing us to ‘dig’ ourselves out of a deep and depressing hole. You’ve brought a smile back to our faces…"

Explore your options, see how we can help you reduce your debt by Debt Consolidation

• Debt Consolidation will put a stop to the constant pressure and harassment from creditors and debt collectors.

• Debt Consolidation will help you step out of the debt cycle and regain your peace of mind.

• Debt Consolidation will help you out of the debt cycle.

Call 1300 661 671 to find out if you are eligible for debt consolidation. You can also complete an assessment form online and we will contact you within 24 hours.

Credit Counsellors Australasia has helped thousands of families stay out of debt by utilising a debt consolidation plan. We have the expertise and experience to provide you with the best service in . Your Counsellor is a tertiary qualified, experienced Insolvency Advisor. How does Debt Consolidation work?

Step 1: Contact one of our insolvency counsellors on 1300-661-671 (National).

Step 2: The counsellor will discuss you particular circumstance and consider your best options;

Step 3: Establishing a budget, taking into consideration household income and weekly expenses such as rent or mortgage, groceries, utilities, car payments and the cost of raising children is important to verify any offer that will be made to creditors.

Step 4: Together, we will agree what terms you will propose to your creditors in order to solve your debt problems by debt consolidation.

Step 5: A debt agreement proposal, once checked and signed by you, will be sent to a federal government agency called ITSA (Insolvency and Trustee Services ) who will validate that the terms of the offer are in the best interests of your creditors.

Step 6: ITSA will onforward the proposal offer to affected creditors and they will have 35 days in which to consider the application and vote upon its terms.

Step 7: Once the offer for debt consolidation is accepted by your creditors, a legally binding agreement, in federal law, will exist and both you and your creditors must abide strictly to its terms.

Debt Consolidation by means of a Part IX Debt Agreement has some disadvantages:

· Your personal details will be annotated on the National Personal Insolvency Index, in perpetuity.

· Your credit file will be annotated for a period of 7 years making it difficult to obtain further credit.

· If you fail to meet the obligations created by the debt agreement you will not be permitted to make a further application for 10 years; and creditors will retain the right to terminate the agreement and their remedies will be revived.

· You will remain insolvent until the agreement obligations have been met.

Debt Consolidation by Debt Agreement

• Stop interest accruing on your existing debts.
• Stop legal actions and collection processes immediately.
• Pay a single regular and affordable repayment over a period of time;
• Just seven simple steps will change your life.

Call 1300 661 671 to find out if you are eligible for debt consolidation by debt agreement . You can also fill in an assessment form and we will contact you within 24 hours.

AVOID BANKRUPTCY BY DEBT CONSOLIDATION