Debt Help In Adelaide

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We get it, being in debt can be hugely stressful, even the word can send a chill down your spine. It may sometimes seem that there are no other options for debt help in Adelaide. Well then, let me tell you something about Fix Bad Credit. Our company have been serving South Australians for some time now, providing our services to thousands of people every day looking for debt help Adelaide.

Debt can feel overwhelming and make it hard to manage your cash but Fix Bad Credit in Adelaide can help you get your finances back on track and lead your way out of debt. The team in Adelaide will assess your financial situation and identify debt solution options tailored for your specific personal financial circumstances, using their in-depth knowledge of credit law and debt processes.

What do you need to know before entering into a debt arrangement?

Understanding the terms of a debt solution is key before entering into any repayment plan. You should select an option which is most favourable to you so your financial situation isn’t impacted even further. Don’t be afraid to ask questions. The finance world in Adelaide can be full of jargon and complex terms, but the team at Fix Bad Credit is here to make it simple for you. Negotiating and managing debt arrangements can be complicated and time-consuming. We recommend you talk to a Fix Bad Credit debt expert about your options. If a part of the agreement or contract is unclear to you, make sure to clarify anything first before signing on the dotted line.

Our Aim

At Fix Bad Credit, our mission is your financial freedom. One of our experts in debt help in Adelaide 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 South Australia, 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 Adelaide.

Is Debt Consolidation Effective?

If you’re overwhelmed by having different debts in different places, a debt consolidation loan might be the answer, reducing the stress of multiple debts and interest rates by simplifying your finances.

Paying off more than one debt at a time is not uncommon in Adelaide. But if you’re struggling to balance your debt repayments, debt consolidation may well be worth considering. You typically do this by taking out a new personal loan to repay your other existing debts, and then paying this new loan back over a set term. This makes managing your debt situation significantly easier and often you can end up paying less each month that you were paying before, helping you manage your repayments and give you a clearer picture of your finances.

The key advantages of consolidating your debt are:

Single, regular repayments that are easier to manage

One set of fees and charges

One potentially lower interest rate It can save you money, either by having less interest or fewer fees (or both).

Because there’s only one loan, setting up a repayment plan is easy – you’ll have a single fixed time frame of when you’ll be debt free allowing you to budget more easily and start saving.

It won’t impact your credit report. If anything, it will make your repayments more manageable. As you continue to make your repayments on time and in full, demonstrating good repayment habits and avoiding defaults through late payments, your credit score should improve.

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Debt Consolidation - Debt help Adelaide - Fix Bad Credit

Formal Debt Solutions in Adelaide

Formal debt solutions, like a debt agreement or bankruptcy, provide options for people who find themselves in situations where the debt they carry becomes completely unmanageable. It is important that you fully understand what you are agreeing to before signing up to them, as whilst they have benefits, there can be serious consequences.

Understanding the terms of any debt arrangement, both formal and informal, is critical before agreeing to anything. Ensure you have enough information to be able to select an option which is most favourable to you, so your financial situation isn’t impacted even further. Don’t be afraid to ask questions. If a part of the agreement or contract is unclear to you, make sure to clarify anything first before signing on the dotted line. We recommend you talk to a Fix Bad Credit debt expert in Adelaide first about all your options.

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 Adelaide 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 Adelaide 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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    Why work with Fix Bad Credit in Adelaide?

    When you sign up with Fix Bad Credit, we do all the heavy lifting. Fix Bad Credit will talk to your creditors in Adelaide about putting a pause on your repayments for both secured debts such as your home loan and unsecured debts such as credit cards and personal loans until you agree on a new affordable payment plan, negotiating on your behalf to reduce the size of the repayments to a level that you find more manageable.

    We Are Happy to Serve You!

    Getting on top of your debt is essential if you want to live a good life in Adelaide. Companies like Fix Bad Credit provide debt help in Adelaide, so anyone who needs it can access it anytime, anywhere. So don’t delay, go ahead!

    Reviews

    I contacted a broker to get finance for a house and found out that I have a default on my credit report, they will stop me getting finance, my broker told me to contact fix bad credit which turns out to be great advice within one week they have remove the default from my credit report and now I can get my finance.
    Andy Griffith
    Andy Griffith
    04:33 05 Nov 23
    I had an issue with my credit report and i got it fixed within 2 weeks. Excellent work.
    Bukassa Beloti
    Bukassa Beloti
    04:20 28 Oct 23
    Cleaning up my credit rating is something I had been wanting to do for a while, but I wasn’t in a good position to. Things have changed and it was time to clean up my credit rating, I had also been putting this off due to the thought of it being stressful and costly. I contacted Fix Bad Credit and arranged a time to go over my credit rating, as soon as I got off the phone to Fix Bad Credit, I felt a massive sigh of relief. The customer service is something I’ve never received before along with the education they give you about your credit rating to continue to improve and not damage your credit rating. I highly recommend this company and will continue to for many years.
    Ashlee Hawkins
    Ashlee Hawkins
    04:45 27 Oct 23
    I’m going for a mortgage and I had a few problems on my credit report, the team at fix bad credit helped me out and had everything done in a week,big thanks to CJ Espeically very helpful guy and would highly recommend to anyone looking at getting there credit file fixed.
    Robert Bell
    Robert Bell
    04:58 24 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.
    Frank
    Frank
    11:50 19 Oct 23
    I Would highly recommend the team at fix bad credit ,we were on the verge of losing our deposit and land due to a default and thank to the team the default has been removed.
    slothbrah zyzz
    slothbrah zyzz
    03:14 19 Oct 23
    I approached Cj and the team and Fix Bad Credit with multiple issues on my credit score, from the very first phone call I had with Cj he was very helpful and informative, he also understood why I was in the situation I was in and was more than willing to help, he knew I wasn’t able to pay money up front and was more than happy to let me go into a payment plan which has helped me a lot.
    Alex Oxborrow
    Alex Oxborrow
    01:15 19 Oct 23
    Highly recommend, fantastic services, brilliantHelped us refinance property ,So gladThank you
    Baljit Kaur
    Baljit Kaur
    02:53 17 Oct 23
    Having Cj Credit repairs help me to restore my credit score so that I would be able to apply for loans and also be able to build a house is honestly a good feeling. This would have taken me 5 years until it could be cleared out but now it only took me a few weeks. I'm glad that they were able to resolve and fix my credit score even though it took a lot of back and forth with them and also with Panthera finance its all about patience and at the end the job was done. i would recommend them to anyone.
    edward gondor
    edward gondor
    01:50 17 Oct 23
    I had a bad credit rating, and came across Fix Bad Credit. They went above and beyond to help me, made it all so easy. I can’t recommend them enough to anyone!
    Breeanna
    Breeanna
    10:10 16 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
    I knew I had bad credit and it was something I had been avoiding for a long time. I stumbled upon CJ and the fix bad credit team by accident, and needless to say it was the best thing to happen to me. From the first point of contact to having my credit score repaired and looking good was a total of 17 days! The communication from CJ was easy to understand and regular. Since getting my score repaired he has also helped with brokers and getting me the finance I wanted! I couldn’t be happier and I can not recommend the fix bad credit team enough! All it takes is one phone call.
    cameron williams
    cameron williams
    05:12 10 Feb 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
    Had to use 'fix bad' due to a couple of mistakes on my credit score. CJ was brilliant, quick, and effective and could not recommend him higher.
    James Smith
    James Smith
    04:43 17 Jan 23
    When I reached out to CJ from Fix Bad Credit for enquiry removal information, CJ had given me the right advice and spent over half an hour with me for free and helped me save money as none of the enquiries were harmful, they just needed some time and also shared tips on how to improve the credit score. Thank you CJ! Highly recommended.
    Sana Nazreen
    Sana Nazreen
    23:51 29 Nov 22
    They were very helpful, kept me in the loop with what is going on! Definitely well worth it if anyone is hesitant about their credit!
    Deana Poggi
    Deana Poggi
    08:34 25 Nov 22
    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
    CJ was amazing! Instead of trying to sell me something we didn’t need, he has directed us to someone who could actually help us get the proper finance options we needed. Thank you for doing the right thing and help us get to where we need to be.
    Brooke Clarke
    Brooke Clarke
    10:59 15 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
    I had a very good experience with fix bad credit who gave me good honest advice an helped me to fix my credit rating. Thanks.Highly recommend
    luke messineo
    luke messineo
    01:50 04 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
    Had a good experience, Fix Bad Credit has been helpful, good communication, provided knowledge and financial advise as well as providing goods customer service.
    Kate Zituta
    Kate Zituta
    02:18 09 May 22
    Fix bad credit made my day. The reoccurring spending habits that controlled my life were identified and have now been put in touch with the help I needed, this couldn’t have come sooner . Thank you
    Andrew Padayachy
    Andrew Padayachy
    04:06 16 Apr 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
    Myself and my partner engaged another credit repair company to assist with default removals, and cleaning up the credit file.Unfortunately they took our money, and that was all. The ombudsman became involved, but in the end we were left with nothing.The Fix Bad Credit team offered to help. And they certainly did that. Credit score is now above 800 and they are now assisting us with a $60k debt.It’s been life changing. I strongly recommend if you have debt, or credit issues, to reach out to the team at Fix Bad credit. Thanks again Carey absolute legend!!!
    RICKY B
    RICKY B
    07:54 13 Jul 21
    I went to the Fix Bad Credit team as I was living with the burden each month trying to pay back debt due to unforeseen life circumstances that had occurred over the last few years which often led me taking time off work and only making the minimal payments. As a single parent I felt I wasn't getting anywhere. The Fix Bad Credit team have negotiated a massive saving for me and managed to consolidate the remaining debt into monthly affordable payments without interest being incurred. Any issues I may have had on my credit report and have now been removed. I look forward to being able to purchase a home in the future which wouldn't have been possible before. Thanks so much Fix Bad Credit Team, super grateful.
    Kellie Lyndon-James
    Kellie Lyndon-James
    02:00 09 Jul 21
    As a business owner I appreciated the transparency, fast response, professionalism and execution of the Fix Bad Credit team.We had some apprehension using a credit repair service. But after the experience and seeing the outcome, I will be recommending Fix bad Credit to my entire network.
    Ignite Global Group
    Ignite Global Group
    06:40 21 Jun 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.