I need help to improve my Credit Score
I Need Help to Eliminate Debt
I Need Help with Bankruptcy
Where Can You Find Debt Help in Melbourne?
Receiving affordable debt help in Melbourne can be a challenge. However, this doesn’t have to be the case. We, the Fix Bad Credit team, are here to bust the myth of companies charging high fees for dodgy debt solutions and bad bankruptcy advice.
Being in debt can ruin your life. If you’re not careful, it can totally wreck your credit score and put you in a tough financial situation. That’s why it’s so important to get debt help if you’re feeling overwhelmed. Our debt solutions will put you on the right track. Get in touch with our team for help. So don’t wait any longer – start working on your debt today!
At Fix Bad Credit, our mission is your financial freedom. One of our experts in debt help 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.
Informal Debt Solutions in Melbourne
If you’re having difficulty making repayments and are looking for debt help in Melbourne, you may want to try to reach an informal agreement with your creditors. Whilst informal debt solutions are not legally binding, they are likely to have fewer serious consequences than formal debt arrangements. An informal debt arrangement involves entering into an informal payment plan with your creditor(s) to enable you to pay your debts off over time – potentially deferring payments until you get back on your feet or making your payments more management and affordable.
We Can Consider Debt Consolidation
Debt consolidation in Melbourne is one of the most commonly used options to get you out of debt. If you have existing multiple debts like a credit card, overdraft, a mortgage, and other debt, by bringing them together into one single new loan, subject to a single interest rate, with a single, regular (usually monthly) repayment, it will make makes managing your debts significantly easier. If you’re interested, the team at Fix Bad Credit in Melbourne can negotiate with all your creditors on your behalf, so you have only one simple monthly payment. Allowing you to get back in control of your debt and potentially saving you money with lower monthly repayments and less fees.
Declaring Bankruptcy Is an Option
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. Bankruptcy will cancel your debt to creditors.
You do need to be fully informed about bankruptcy because some of the consequences may affect your assets. Bankruptcy should only be considered as a last resort once all other options have been considered. We recommend you talk to one of our debt experts first to explore all other options
If Bankruptcy is your best option, the friendly team at Fix Bad Credit Melbourne will not only assist you through the process but be there for you when you come out of the agreement, and help you get yourself in the best financial shape possible.
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.
Get Your Free Credit and Debt Assessment Now
Learn how we Helped Enes with his Debt Problems
Enes is a hard-working tradie in Melbourne who does his best to provide for his young family. Like many sole traders Enes has an unreliable income and was struggling to keep on top of his debt repayments.
Things quickly began to spiral out of control for Enes, he started accumulating a lot of debt, and his inconsistent cash flow meant that before long his late debt repayments became defaults. Soon Enes felt like he was drowning in debt with no way out, it began to serious impact on his own mental health and family life.
To get himself out of this situation Enes was considering bankruptcy. Luckily before going down that path Enes first got in touch with the expert debt solutions team at Fix Bad Credit. We carefully assessed his financial situation and identified a couple of alternative options for Enes to consider for solving his debt issues. Once Enes selected the option which best suited his situation Fix Bad Credit then successfully negotiated with his creditors to reduce his debt to cents in the dollars and removed the default listings from his credit report. As a result, Enes managed to avoid bankruptcy and had his debt reduced to a more manageable level.
Enes no longer fears phone calls from his creditors and can sleep easily at night knowing he is back in control of his finances. You can hear from him yourself here.
Are you interested in us helping you like we helped Enes
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.