Debt Help In Melbourne

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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!

Our Aim

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.

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If you’re like most people, then you might have a couple (or more) loans that you’re currently paying off at the moment. Paying off more multiple debts at a time is not uncommon. You may have a couple of credit cards and have taken out a loan for a car or home, for...

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

    Reviews

    So good. Life changing. Can not say enough about how Fix Bad Credit changed my life.
    Frank Aachen
    Frank Aachen
    16:13 13 Aug 22
    Thanks to the team art Fix Bad Credit my young family are moving into our 1st home. These guys are the best in the business. Thank you. Brilliant job.
    Gunther Heidi
    Gunther Heidi
    17:55 12 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 Maria
    Chantelle Maria
    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 could not be happier with the result. I’d recommend Fix Bad Credit to anyone. Amazing.
    Elise Gracie
    Elise Gracie
    06:03 19 Feb 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.