DEBT MANAGEMENT PLAN

Debt isn’t just a finance issue. It feeds into all elements of your life. So solutions are wide and varied; from cutting interest costs, budgeting, or simply getting free one-on-one debt help.

Get Started

ARE YOU IN THE SITUATION OF DEBT SPIRAL?

Debt’s a symptom, not the problem. Before tackling, it you must reduce your spending. Not only to stop you borrowing more, but to maximize repayments. If you’re in debt, you need to take action quickly to stop the situation getting any worse. To start dealing with your debt problems, look for Debt Cutter on How to sort out your debts. It will help you work out how much money you owe and whether you’ve got any urgent debts.

Get Started

DEBT CUTTER CAN HELP YOU GET OUT OF DEBT

Consolidate debt into one payment

Consolidate debt into one payment

Stop the harassing calls

Stop the harassing calls

Freeze Interest – saving you thousands

Freeze Interest – saving you thousands

Keep your assets

Keep your assets

Stop the harassing calls

Stop the harassing calls

FREE DEBT CONSULTATION

Simply enter your details in the form below
and one of our friendly consultants will call you.

HOW DEBT CUTTER CAN HELP YOU

DEBT AGREEMENT

A Part 9 Debt Agreement, or Debt Agreement as they are usually referred to, is a legally binding agreement under Part 9 of the Bankruptcy Act 1966 between you and the people you owe money to. Under a Part 9 Debt Agreement, your creditors agree to accept a sum of money you can afford to repay over an agreed period of time; this amount may be less then what you currently owe.

Benefits of a Debt Agreement include:

  • All interest is frozen on your current debts
  • All Debt Collectors must cease contacting you under law
  • All pending legal action in relation to your debts is automatically stopped
  • You have the ability to pay extra to finish your Debt Agreement sooner
  • Avoid bankruptcy, which means you can continue to:
    • Keep your house, car and other assets so long as you continue to make payments
    • Practice in most professions without restriction
    • Are not subject to strict travel restrictions
    • Are not obligated to report any increase in salary, increasing your repayments
      • At the end of the agreement all unsecured debts included in the agreement are paid in full
      • You only make one regular repayment towards all your unsecured debts

“A Debt Agreement is a saviour to many, but a serious step to take, it has qualifying criteria and consequences for your credit file that need to be carefully considered. This should be discussed with a qualified debt agreement administrator to ensure that it suits your personal circumstances. Many of our clients have expressed to us the relief they’ve experienced once their Debt Agreement is in place saying: “ an incredible weight has been lifted off my shoulders”

Request a free consultation today to learn more!

Request a free chat!

DEBT NEGOTIATION

An Informal Arrangement is an agreement between yourself and your creditors to change how your debts are to be repaid. In other words, we work with you to negotiate a new payment plan with your creditors. This will often reduce interest charged and will buy you more time to pay off your debts.

There is a number of flexible repayment options possible through an Informal Arrangement, including:

  • Extension of the loan term
  • A temporary stop on payments
  • Decrease the amount of debt you owe
  • Reduction in interest being charged
  • Settling your debts


Contact us today to see if this is the right solution for you!

Request a free chat!

MORTGAGE REFINANCING

When your debts are piling up and you are having difficulty repaying your loans, mortgage refinancing may be the best solution for you.
Refinancing your home loan has the ability to free up extra equity within your home in order to pay off your debts. Depending on your personal situation it can also reduce the current interest rate you are paying, and can free your family from unsecured debt stress.

Refinancing your mortgage may be the right solution for you if you are:

  • Unable to meet loan repayments
  • Have equity in your home
  • Do not want to declare bankruptcy

Debt Cutter is a specialist in non-conforming home loans, and is able to assist people with bad credit, or mounting debts, access quality home loans enabling them to get out of debt, and back on the road to financial freedom.

FREE DEBT CONSULTATION

Need a solution to your debt problem? From just one phone call our experienced and understanding debt consultants will be able to provide you with a solution.

GET HELP NOW!

Call us on 1300 887 211

_________________________ or _________________________

REQUEST A FREE DEBT CONSULTATION

We will work with you to find the best debt management solution for your specific circumstances.

FREE DEBT CONSULTATION

Simply enter your details in the form below and one of our friendly consultants will call you.

SUCCESS STORIES

4000+ AND COUNTING

Janis, WA

“It was such a relief and it was great not having anyone chasing me for money anymore. I’ve already told my friends about how good Debt Cutter’s service is. It has been really really worthwhile.”

John, NSW

“After my relationship breakdown and inheriting a lot of debt, finding Debt Cutter was like having a world of pressure lifted off my shoulders. Debt Cutter were very helpful and friendly.”