Debt Problems & Solutions

If you are in debt there are a number of options that you may not yet know about. The reailty is that many bankruptcies are avoidable.

Debt Consolidation
Is when you replace a number of unsecured loans including your credit cards, personal loans and bills with one single loan.

Debt Agreements
A debt agreement is an affordable arrangement to repay your creditors. This arrangement is legally binding and restricts your creditors from taking any action to recover debt other then what is outlined in the agreement, whilst it is in place.

Part X Personal Insolvency Arrangements
Is an alternative to bankruptcy where a formal meeting of your creditors is called to vote on a proposal to repay your debts sometimes at a reduced amount.

Creditor Negotiations & Informal Arrangements
A creditor negotiation or an informal arrangement is when Credit Repair Australia™ negotiates with your creditors to come to a suitable arrangement. This may include a settlement of the debt for a reduced amount, a hold on payments, reducing or freezing the interest rates on your debts, reducing the repayments of your debts and CRA will even speak with your creditors on a regular basis to stop the harassing letters and phone calls you may be getting.

Home Loans & Refinancing
Many people in Australia are paying over 8% interest on their home loans due to a bad credit rating. The use of Credit Repair may reduce your home loan repayments by thousands of dollars.

Find out how we can help you with a debt problems.