The founders of Debt Cutter started out in a similar way to every client they have ever supported over their ten years in service. Their background in the Debt Agreement industry emerged from beginnings that would feel more like humiliation, but on reflection incredibly humbling as they turned that pain into the ability to help thousands.

Debt cutter founder

Geoff Chester has turned thousands of lives around by sharing his knowledge on debt.


Geoff Chester and wife Mal, not only lost the family business, they lost everything they had worked their whole lives for. They kept struggling to ensure their staff did not lose out. To top this off the stress of everything crumbling contributed to Geoff almost losing his life, but thanks to modern medicine he survived a serious heart attack.

Moving forward….

Getting back on the horse wasn’t easy and the emotional pain of leaving the past behind and moving forward was enormous. During the humbling experience of being on Centrelink after a lifetime of professional employment, Geoff happened upon a job advert in the paper seeking a Debt Agreement consultant and found himself saying: “I know a bit about debt.”

Just like every story of trial and tribulations their journey was filled with long nights of hard work just to make ends meet, whilst helping thousands overcome their debt struggles. But one thing you can say about Geoff and Mal there unending positive attitude means they never gave up.  Now the business is supporting many employees, some who have also experienced the trauma of crippling debt. That’s where the motto comes from: “We care, because we’ve been there.”

Not another pop up company looking for an avenue to make a buck, but one that truly believes that everyone deserves a light at the end of the tunnel.  Geoff and Mal have brought their own experiences to the table and developed a business that takes great care with their clients. Why? Because they know how it feels.

And the rest is not just history. It’s the present and it will be long into the future that Debt Cutter will continue to pour their caring attitude, support and success mindsets into their clients.

We care because we’ve been there

If you want a caring, supportive solution to your debt problem, from people who know what you’re going through, Debt Cutter can provide that. Debt Cutter has a no incentive policy with all our consultancy staff that allows them to take the time to listen to your circumstances and provide you with all the information you need to make an informed decision.

We truly care about each and every one of our clients and work hard at helping them to achieve their financial goals and set them on the path to financial freedom.

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If you’re facing financial hardship we are here to talk about a solution.  Call us on 1300 887 211 or Book a Free No Obligation Phone Consultation with our friendly team and we can discuss debt management options specially focused on your personal situation.