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Bankruptcy Advice in Melbourne

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Why You Need Fix Bad Credit

You have landed on one of Australia’s best bankruptcy advisory teams, Fix Bad Credit. Bankruptcy is a demon that everyone fears. To make sure you have access to the most appropriate bankruptcy advice in Melbourne specific to your situation, you must talk only to reputed experts.

When it comes to advising clients on filing for bankruptcy under any circumstances, our bankruptcy experts in Melbourne play a critical role. Our advisors have been in this industry for years, so they know it inside-out. They have extensive knowledge of the debt options available before recommending a particular approach. Fix Bad Credit bankruptcy advisors are entirely dedicated to their work and offer you complete assistance during the entire process of filing for bankruptcy under any circumstance.

We Can Help You With Bankruptcy in Melbourne

Melbourne is Australia’s second-biggest city, but it is also one of the most expensive cities to live in. It’s a hub for talent and business opportunities. But, if you’re not careful and don’t plan your finances well, it could quickly become a hub of debt and bankruptcy.

The most significant cause of bankruptcy in Melbourne is living beyond your means. It’s a slippery slope, where even just a tiny amount of overspending can lead to more and more debt. The Fix Bad Credit team handles insolvency issues and bankruptcies for all Australians, including organisations, creditors, and individuals.

Please make an appointment with us today to receive bespoke advice tailored to your current situation and long-term financial future. Our free bankruptcy consultation in Melbourne can give you some initial bankruptcy advice and help you decide what to do next. With our expert bankruptcy guide, you can pull off a heap of debts on your head.

Why consider bankruptcy?

If you find yourself in a position where you feel you are unable to pay your debts in Melbourne and cannot come to a satisfactory arrangement with your creditors, bankruptcy could be your best option. However, bankruptcy understandably has a bad reputation and can seem like a horrifying prospect. It certainly has its disadvantages and should never be considered as a first option if you can otherwise pay off your debts. However, it can offer you a chance to start over. Declaring bankruptcy is not a process to be undertaken lightly, as there are serious consequences of doing so.

If you’re considering bankruptcy, I suggest you contact us first. Once you have spoken with one of Fix Bad Credit’s bankruptcy experts in Melbourne, we will help you with a no obligation review of your financial situation to identify your options, so you can choose the best option for you.

Our Aim

At Fix Bad Credit, our mission is your financial freedom. One of our experts in Bankruptcy Advice in Melbourne will carefully assess your personal and financial situation so we can tailor a personalised debt solution package to best meet your goals. Your personalised debt solution package will contain options to help you take back control of your debt and start you on your journey to financial freedom.

If you are desperate to get debt help in Victoria, we are just a call away. If you are faced with challenges paying money you owe, our team of experts can assist you with a detailed evaluation of your options. Dependent on your specific circumstances there are both informal and formal debt solution options available to you. The Fix Bad Credit team is experienced in providing all types of debt help in Melbourne.

Will I be able to borrow Money after my Bankruptcy is over?

We’re not going to lie, many banks will most likely want to avoid doing business with you while your bankruptcy is still on your credit report. So, getting a loan or raising capital will be difficult. However, it’s not impossible and we can help you with your options.

Proven Solutions in Bankruptcy Advice in Sydney, Brisbane, Gold Coast, Adelaide

Our bankruptcy advice is not limited to Melbourne only but Sydney, Brisbane, the Gold Coast and Adelaide. Having accumulated debt and being faced with the prospect of paying it off can be more complicated than we would like. We, therefore, strive to provide informed advice and guidance to our clients throughout any bankruptcy process so that they can make informed decisions.

What do we do?

We offer expert bankruptcy solutions to help recover from the financial crisis for those who declare bankruptcy in Melbourne, Australia. We manage your debts by sorting out the amount you can pay. After that, our team discusses the terms of the debt payment. Additionally, we help you decide whether the solution you are opting for is good for you or not and whether you can apply for bankruptcy or not. All that through bankruptcy advice in Melbourne.

Why work with Fix Bad Credit?

With our bankruptcy solutions, we strive to reduce financial distress. It is essential to get expert bankruptcy advice since no two situations are the same.

We have developed a process through knowledge and experience that ensures better futures for our clients. You can trust us to assist you in handling your financial challenges. Reach out to us today and let’s defeat the bankruptcy demon together.

Latest Blogs

Does Bankruptcy Clear Tax Debt in Australia?

Filing for bankruptcy is often the last option you have if you are unable to repay your debts. When you declare bankruptcy, you are absolved from repaying most of your debts, allowing you to make a fresh start and manage your finances in a better way. Bankruptcy is an...

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Worried about how you’re going to make your next mortgage payment? Unfortunately, you’re not the only one right now. New research from Roy Morgan shows an estimated 762,000 Australians were ‘At Risk’ of ‘mortgage stress’ in the three months to March 2022. This equates...

What is a Part 9 Debt Agreement?

Have you heard about Part 9 Debt Agreements recently and are curious to know more? Well, read on as I’ve attempted to answer most of the common questions that we receive about this type of debt agreement. A Part 9 Debt Agreement is also known as a debt agreement, and...

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How Long Does Credit Repair Take?

If you've ever applied for credit or a loan, there will have a credit report. If you have a poor credit score or an error in your credit report, it may affect loans or credit you apply for, so it pays to try to fix it as soon as possible to reduce its potential side...

Bankruptcy in the Era of COVID-19

The economic impact of COVID-19 is creating significant challenges for both individuals and businesses. As a result, commonwealth legislative changes came into effect from 25 March 2020 to provide immediate relief for people facing financial difficulty due to the economic impacts of COVID-19. The temporary changes included:
an increase in the debt threshold, which enabled creditors to apply for a bankruptcy notice
an increase to the timeframe for a debtor to respond to a bankruptcy notice
an increase to the temporary debt protection period available to debtors.
As of 1 January 2021, those temporary changes have ceased. An amendment has also been made to adjust the bankruptcy threshold. This means:
the minimum amount of debt that can trigger bankruptcy is $10,000, down from $20,000
temporary debt protection allows for 21 days relief from creditors, instead of six months.
Your Fix Bad Credit bankruptcy advisor in Melbourne can keep you advised of any other changes to the bankruptcy legislation if and when they come into effect.

Benefits Of Working With Fix Bad Credit

No more missed payments – unlike before when you had several bills to pay with different due dates, the Fix Bad Credit team in Melbourne can put together a payment plan for you where all you have is one payment each month, making it far easier to manage and much harder to forget.

Fix Bad Credit – The team at Fix Bad Credit in Melbourne will negotiate a repayment plan with your creditors that makes it easier for you to make your repayments on time and in full, demonstrating good repayment habits and avoiding defaults through late payments, improving your credit score.

No more annoying calls from creditors – lenders enlist the help of debt collectors to help collect payments from people who haven’t been paying up or who have a history of paying late. When you sign up with Fix Bad Credit, expect any calls from creditors to stop.

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    Reviews

    Fix Bad Credit Melbourne
    Fix Bad Credit Melbourne
    5.0
    See all reviewsWrite a review
    Highly recommend, fantastic services, brilliantHelped us refinance property ,So gladThank you
    Baljit Kaur
    Baljit Kaur
    02:53 17 Oct 23
    I had an issue caused by someone else.CJ and the staff at Fix bad credit were nothing short of outstanding. The understanding there knowledge and the compassion they gave me was sensational. They took the problem on, researched it and fixed it. From my experience these guys are the best in the business and highly recommend them.Thanks CJ you are No 1.
    Tony Delittle
    Tony Delittle
    22:29 13 Mar 23
    Impossible to overstate the importance of engaging the financial services sector with someone that understands how it works and the motivation of those involved. Carey has that knowledge in spades, knows how to use it to his clients best advantage and facilitate successful outcomes. His tenacity is frightening and I cannot recommend highly enough using FBC to champion what appear to be lost causes, and more importantly - win.
    Jeremy Smith
    Jeremy Smith
    02:22 23 Jan 23
    I found CJ to be professional, informative and able to offer an incredible service. Before my initial discussion with CJ, I had no idea how credit works. I have a 6 figure income and my credit score remained low, even after paying off debts/bills on time for the past 4+ years.After one consultation, we derived a plan on how to remove defaults, half my debts and refinance my loan to a company that report repayments. (Ultimately increasing my credit score)Purchasing a home looked impossible, until now.Can’t thank this business enough for the knowledge and service they’ve provided me.
    Jorden Ortez
    Jorden Ortez
    14:09 22 Oct 22
    My dealing with CJ Horne was great. He spent some time on my file and advised me the best possible solution for my situation at the moment free of cost. I really appreciate his approach and honest piece of advice.
    Hafiz Abdur Rehman
    Hafiz Abdur Rehman
    11:56 28 Aug 22
    Unfortunately sometimes life happens.. sometimes you win... and sometimes someone sets up a fraud account in your name and you don’t find out until your financing your car!Rather than going via the long winded usually roots which take up to 3-6 months to remove fraud activity on a credit record- the team was able to remove this for me in less than 2 weeks!!!I was able to secure my car in time and at a lower rate. All thanks to CJ. 🙂
    Larissa Thurley
    Larissa Thurley
    08:33 23 Aug 22
    The guys from fox bad credit did a great job.. I wouldn’t go to anyone else these guys know what they are doing. I did initially have a complaint about them but I clearly jumped to conclusions and CJ dealt with it professionally and really helped me out.. thanks CJ
    Luke Radin
    Luke Radin
    06:05 12 Jul 22
    Helped me double my Credit Score in span of less than 3 months. The team are so good at what they do. Definitely recommend them to everyone!
    Aqueel Haisam
    Aqueel Haisam
    02:36 29 Jun 22
    ONE WORD... AMAZING!CJ was just phenomenal to deal with, from start to finish and constantly reassured me that he would get it all sorted for meI had so many questions and he was beyond patient throughout the entire process (which was so damm easy might I add) and literally had everything fixed up within less than half the time originally advised.These guys are incredible at what they do and would defiantly 100% recommend to anyone.Genuinely changed my life so thank you!
    Chantelle Mittz
    Chantelle Mittz
    07:41 08 Jun 22
    Amazing Team of people working hard & truly passionate about getting people back on track to excellence. Thank you for your services
    Jimmy William
    Jimmy William
    20:34 29 May 22
    CJ was amazing. It's been a long process to fix my credit due to mistakes at a young age. So many other places were happy to take my money with no guarantee they will have success in helping. CJ told me plain and simple what I need to do and what will help. He didn't charge me a cent either. Gave his honest opinion woth a good 30 minute phone call and thoughts on what will genuinely help. I am going to put all this into place and give him a call in 6 months to discuss future moves towards buying a house. We all make mistakes in life and stress I've them. It's people like CJ that make you feel calm and believe it will all be ok with some solid advice. Thanks again CJ
    James Tipping
    James Tipping
    05:11 02 Mar 22
    I needed 2 defaults removed ( paid defaults ) and CJ produced the goods. Both defaults have now been removed and I can safely apply for finance for my home.Thanks once again mate. All the stress has been lifted !Cheers,Cam
    Home Decore
    Home Decore
    03:52 15 Dec 21
    James has really showed his utmost professionalism, got my credit issues fixed as quick as only 3 weeks. They are highly recommended.
    Rocky Chen
    Rocky Chen
    03:54 27 Jul 21
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    How It Works

    Becoming Financially Free Is Easier Than You Think

    Step 1: Identify

    Asking for help is the hardest part. Which is why you get a personal debt and credit solution expert to confidentially review your unique situation and work with you every step of the way

    Step 2: Plan

    We then work with you, providing options for improving your credit, reducing debt and managing any repayments

    Step 3: Repair

    We can then assist with your chosen options each step of the way, implementing your unique credit and debt solution strategy

    Step 4: Monitor

    We offer an on-going service to continue to monitor your credit situation, regularly reviewing any changes to your credit score and identifying potential problems before they affect your financial well-being.

    Get Your Free Credit and Debt Assessment Now