Business Details
21 Years
experience
Your Trusted Partner for Debt Consolidation Solutions
At Debt Fix, we understand the challenges of financial stress and have dedicated ourselves to helping Australians achieve debt freedom since 2005. Our team of registered debt agreement administrators and licensed finance brokers brings decades of combined experience to create personalized solutions tailored to each client's unique circumstances. As industry leaders recognized with multiple Word of Mouth Online Customer Service Awards, we combine regulatory compliance with compassionate service to deliver results-oriented financial strategies.Our No Fix, No Pay guarantee ensures clients only pay when we successfully resolve their debt issues. Through innovative debt consolidation programs, formal agreements, and expert financial advice, we've helped thousands of Australians regain control of their financial futures while maintaining full accreditation with AFCA, PIPA, and holding Australian Credit Licence 393436.
Services
Debt Consolidation
Credit Card Debt
Debt Agreement
Bad Credit Loans
Personal Insolvency Agreement
Details
- Year established: 2005
Highlights and features
- Personalised debt solutions tailored to individual circumstances
- 20+ years of combined experience in debt management and financial services
- Fully qualified and compliant with Australian Credit Licence 393436
- Award-winning customer service with Word of Mouth Online Customer Service Awards
- No Fix, No Pay guarantee ensures client satisfaction
Associations and certifications
- AFCA
- PIPA
- Australian Credit Licence 393436
- RDAA Registration 1027
What people say
Friendly and non-judgemental
No interest
Money is now my money
Non-judgemental approach
Creditors stopped
Services
Debt Consolidation
Debt consolidation combines multiple debts into one manageable payment, reducing financial stress through simplified repayment structures. Our specialists work with clients to create tailored solutions that lower monthly payments, negotiate interest rates, and provide clear pathways to debt freedom. This service benefits individuals struggling with multiple credit accounts by offering comprehensive financial relief while maintaining compliance with Australian regulatory standards.
Credit Card Debt
Our credit card debt management service addresses high-interest debt through strategic consolidation and creditor negotiation. By analyzing individual financial situations, we develop customized plans that reduce interest burdens, eliminate multiple payments, and provide structured repayment timelines. This service specifically targets credit card obligations while offering financial education to prevent future debt accumulation.
Debt Agreement
Formal debt agreements provide legally binding solutions for unmanageable debt through negotiated settlements with creditors. Our registered administrators facilitate structured repayment plans that protect assets while offering relief from collection activities. This service provides an alternative to bankruptcy with transparent terms and government-regulated protections for Australian debtors.
Bad Credit Loans
Bad credit loan solutions cater to individuals with impaired credit histories through alternative lending channels. Our brokers connect clients with lenders willing to consider unique circumstances, offering debt consolidation options that rebuild creditworthiness while managing existing obligations through responsible lending practices.
Personal Insolvency
Personal insolvency services provide structured debt resolution for severe financial distress through Part IX debt agreements. Our specialists guide clients through formal processes that balance creditor obligations with debtor protections, offering sustainable repayment plans that consider long-term financial recovery and credit rehabilitation.
Questions
How does debt consolidation affect credit rating?
While debt consolidation may initially impact credit scores, it ultimately improves financial standing by reducing debt-to-income ratios and demonstrating consistent repayment behavior.
Can I qualify for debt solutions with bad credit?
Yes, Debt Fix specializes in solutions for individuals with impaired credit histories, offering options that focus on current financial capacity rather than past credit performance.
What happens if my circumstances change during a debt agreement?
Our debt management plans include flexibility provisions to accommodate life changes, with options to renegotiate terms while maintaining creditor protections.
Are debt consolidation loans secure?
We prioritize secure financial solutions that protect client assets, offering both secured and unsecured options tailored to individual risk profiles and financial goals.
How long does debt consolidation take?
The duration varies based on debt amounts and repayment capacity, with typical plans ranging from 3-5 years while offering early repayment options without penalties.
What debt types can be consolidated?
Most unsecured debts including credit cards, personal loans, medical bills, and utility arrears can be consolidated, with specialist solutions available for complex financial situations.
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