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What are Debt Solutions?

Debt Solutions or Debt Relief is for people who are unable to meet their debt payments and meet their living expenses.

You may always be behind in payments or going without essentials like food etc.

Getting more loans or worrying about credit score no longer worries you. Getting your debt under control is your number 1 concern.

Debt Agreement

  • All unsecured debts are combined into one affordable payment.
  • All interest is frozen.
  • The payment is not related to how much you owe. Being affordable is the key.
  • Remaining balances are extinguished after 3 years. Very powerful solution.

Informal Arrangement

  • Debts aren’t combined but concessions like paying no interest or paying less than owed are sought.
  • Individual creditors may reject offers.
  • Offers will not be accepted if you are up to date with payments.


  • There are cases where no matter how badly you want to pay and do what you think is the right thing that bankruptcy will be the answer.
  • Most bankruptcies mean all debt is wiped and no payments are made.


Get qualified advice

Have a qualified practitioner assess your situation. If you are struggling with payments you owe it to yourself to find out what is available to you. Fee free advice.