“It seemed like my debt balance wasn’t going anywhere and never ending. I felt so powerless with my financial situation. Debt Cutter has taken the stress off of me and I saw the light at the end of the tunnel, as opposed to a situation where it was like being in quicksand.”



Financial Snapshot:

  • Cathy owed $58,091
  • Debt Cutter reduced her payable debt by $5,091
  • Our solution saved her an estimated $112,577.41 in interest alone
  • Cathy will pay off her debts 11 years sooner
  • Total saved = $117,688.41

“Before going into a Debt Agreement, I was overwhelmed and stressed with my debt. I felt like I had run out of options. I had paid hundreds of dollars in credit card bills for years, but I didn’t have any sense of direction or couldn’t foresee the goal when my debt will be paid off.

It seemed like my debt balance wasn’t going anywhere and never ending. I felt so powerless with my financial situation even though I was paying my debt on time. Debt Cutter has taken the stress off of me and I saw the light at the end of the tunnel, as opposed to a situation where it was like being in quicksand.

Prior to approaching with DC, I previously consulted couple of firms and I was rejected due to the fact that I was paying on time with my credit card bills with high interest rates and increasing from time to time. This was all until I found an ad for Debt Cutter on TV, the consultants were very professional in answering and addressing my questions and walked me through the whole process.

Debt Cutter paved the way for me to achieve financial freedom and finally set me on a path to being debt free.

I felt it was really nice to talk to someone who didn’t judge me based on my financial situation. I also felt better after the consulting session knowing I had a plan. Debt Cutter provides a world class service and I will highly recommend Debt Cutter to anyone I know who needs financial assistance about debt problems.

I would tell anyone considering calling Debt Cutter to ring as soon as possible. They’ll organise a payment strategy and negotiate with creditors on your behalf with the ultimate goal to being debt free. All I have to do is focus on one simply repayment without having to worry about so many different credit cards and due dates with the rest left to Debt Cutter.”

  • Cathy, Queensland

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


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