“Three years and a few months later I’m engaged and getting married and ALL DEBT FREE. You don’t realise that the small amount you’re paying pay’s off in the end.”



Pania’s financial snapshot:

  • She owed over $21,000
  • We reduced her payable debt by $6,300
  • The solution provided saved Pania an estimated $15,587.56 in interest payments
  • She paid off her debt 3.5 years quicker
  • Total saved = $21,887.56

“I didn’t really understand what a loan and credit card was (lesson learned and will be teaching my kids in the future hahahha) so not being able to pay it off I moved from New Zealand to find a job here and hopefully be a bit easier to pay back my loans and credit card,” Pania said.

“When I moved to Australia things were getting worse by the month for me, the banks were wanting their money back ASAP via phone / email it was crazy, trying to get me to pay so much I wasn’t able to cope some months with everything, rent, food, transport, everyday living expenses, I was finding it really hard to try and give the bank’s their money back and live life normally, until one day a family member mentioned Debt Cutter and what they do to help those in debt.”

“So I rang Debt Cutter and asked to see someone. When I called Debt Cutter they were very friendly when I explained my situation, they said that they would try to help me out as much as they could. AND THEY HAVE. After I signed up things were looking up for me, I made it my goal to try and not be in debt by the time I get married, the last thing I needed when starting a new family was this debt weighing over me and my family.”

“Three years and a few months later I’m engaged and getting married and ALL DEBT FREE. You don’t realise that the small amount you’re paying pay’s off in the end.”

“If you are on the fence about whether to call Debt Cutter or not, what I say to you is. CALL DEBT CUTTER, I’ve been with them, I know people who have been with them, they’re so helpful, any queries you can just contact them and they’ll help you out as much as possible and they’re just the friendliest bunch, they’re very encouraging also.”

Pania, Ipswich QLD

The above example is general in nature, and quoted savings are only true in the above example and has been calculated to the best of Debt Cutter’s ability. The solution used in the above case may not suit your specific circumstances, and savings and debt reductions are not guaranteed, it is important you talk to a debt solution consultant before deciding on any solution.




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!


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!


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.


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.


Call us on 1300 887 211

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