Debt Help In Sydney

Ready to Become Debt Free?

I need help to improve my Credit Score

I Need Help to Eliminate Debt

I Need Help with Bankruptcy

What is the role of Fix Bad Credit in Sydney?

No one enjoys being surrounded by debt, and those who unluckily get into the hurricane of debt rarely get out of it. Here with Fix Bad Credit, you can get debt help in Sydney. We have numerous debt solutions so you can stop worrying about your debts and start living. When you are in debt, it often feels like you are stuck in an endless cycle. It seems like you can’t get ahead, and every penny you earn goes toward your bills. But what many people don’t realise is that debt doesn’t just impact your bank account – it can also have a serious impact on your life. So, if you’re feeling overwhelmed by debt, please contact our debt help expert in Sydney today.

Whether you’re struggling with mountains of debt, or looking to improve your financial situation, the Fix Bad Credit team can help you with a debt solution plan that will be tailored to your personal circumstances, wherever you’re located in Sydney.

We will work with you to understand your individual circumstances so that we can provide a tailored debt solution plan specially for you. It is our mission to get you back to living your best life and we will stay on the journey with you, helping you negotiate with your creditors to change the terms of your current loans to make your debts more manageable and affordable.

Our Aim

At Fix Bad Credit, our mission is your financial freedom. One of our experts in debt help in Sydney 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 New South Wales, 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 Sydney.

Needing Debt Solutions in Sydney

But as we all know, we live in an unpredictable world. One minute, life could be all chocolate and roses, you have a few debts but nothing that you can’t manage, the next minute everything could change. There are many reasons that you could be suffering from unexpected financial stress and struggling to pay your bills, including:
A relationship breakdown
Family tragedy
Major illness, accident or medical expense
Impact of a natural disaster such as fire or flood
Reduction in work hours.
This list could go on, and on. There are many more reasons a person’s life and financial situation could change at the drop of a hat. Life is simply unpredictable, and when life is unpredictable it is hard to plan for and it is easy to get on the debt roller coaster. Just know you’re not alone needing debt solutions in Sydney.

Latest Blogs

Achieving Financial Freedom

Feeling broke sucks, owing money sucks. Isn't it time you stopped simply surviving and started living the dream? Everyone has different dreams, and likewise financial freedom looks different to everyone, but the pathway to financial freedom is pretty consistent. In...

10 Things You Can Do To Tackle Debt Right Now

When your debt only seems to increase, living life can become stressful and frustrating, you can’t sleep at night and your relationships are affected. One common emotion is feeling hopeless. You might feel like there’s nothing you can do right now to make progress on...

How Do Debt Consolidation Loans Work?

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...

10 Warning Signs You Have Debt Problems

Many people know when they’re struggling financially. Intuitively, we feel the pressure of not having enough cash to meet all of our obligations. If you live on a cash basis, you will find yourself with no choice but to stop spending when the money runs out. Credit...

7 Ways to Get Out of Debt Fast

When your debt only seems to increase, living life can become stressful and frustrating, you can’t sleep at night, your relationships are affected and even everyday shopping like buying groceries can seem overwhelming. The impact of the stress can lead to physical...

How Do You Get a Good Credit Score?

A high credit score will make it easier to qualify for mortgages and car loans, start a business, and, in some cases, secure a job. A bad score can lead to creditors being reluctant to lend to you, or charging you higher rates. Striving for a good credit score is one...

Why should you consider Debt Consolidation in Sydney?

Debt consolidation is only one option you can consider in Sydney, go here to read about them all. (insert link to new Debt help in Australia page)) But, if you’re feeling overwhelmed by having different debts in different places due at different times, a debt consolidation loan might be the answer, reducing the stress of multiple debts and interest rates by simplifying your finances.

At the end of the day, it’s a matter of preference, but many choose to consolidate all their debt into one loan for a variety of reasons, including:

One loan for all – By far the number one reason people consider debt consolidation is because it’s all been put together into one bill.
A simplified repayment plan – No more forgetting payment dates – consolidating your debt means you will remember one date (usually monthly) to pay it all off. If you want to manage your budget or cash flow better, a consolidated debt is the solution.
An end in sight – Paying off debt can feel like it’s never ending, but the truth is there will be a light at the end of the tunnel especially when you go for a debt consolidation loan. All debts into one loan means they will all be paid off at the same time.
Potentially lower interest rate overall – Imagine having different interest rates for various debts. Let’s say, for Debt A there’s an interest rate of 3%; Debt B has 2.25%; and Debt C has an interest rate of 3.33%. With debt consolidation, the new interest rate might be set at just 2.75% for all 3. In the long run, you will be paying less interest and will be saving money from it in the process.

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

    What are the Advantages of Debt Consolidation?

    Budgeting made easier – 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.
    One set of fees and charges – often loans come with annual administration fees and charges. Having just the one loan means you can reduce the overall amount of administration fees and charges you need to pay.
    Reduce the overall amount of what you owe – if your new consolidated loan has a lower interest rate than your other loans and you have only one annual fee, reducing the overall amount of what you owe.
    No more missed payments – unlike before when you had several bills to pay with different due dates, now all you have is one payment each month, making it far easier to manage and much harder to forget.

    Fix Bad Credit – Unless your new debt is very large, debt consolidation won’t affect your credit score. In fact, 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.

    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 consolidate your debts, expect any calls from creditors to stop.
    But be aware, a debt consolidation loan doesn’t mean you’re on easy street. But what it does mean is that you can take a breath and take back some control.

    Learn how we Helped Enes with his Debt Problems

    As a small business owner my income was significantly impacted by the Covid lockdowns, and I found myself relying more and more on my credit cards, getting deeper in debt that I simply could not repay.

    Before I knew it, I had maxed my credit cards, destroyed my credit score and owed close to $80k, things were looking impossible. However, my Accountant recommended I give Fix Bad Credit a call to discuss my options.

    Within a few months, my Fix Bad Credit debt solution expert had negotiated with my creditors to significantly reduce my debt and cleaned up my credit report. My future is looking a lot better now.

    Are you interested in us helping you like we helped Enes


    My credit card debt was killing me. I was considering bankruptcy, or a part 9 debt agreement. A friend recommended I speak with Fix Bad Credit. They discussed all my options. Within 6 months Fix Bad Credit had eliminated my debt and changed my life. Fantastic job. Highly recommend this service to anyone in debt or has issues with their credit report. I no longer have either. Fix Bad Credit are the real deal.
    Grace Eva
    Grace Eva
    11:41 04 Aug 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
    Another company made a complete mess of this. Fix Bad Credit took care of it in a matter of weeks. Could not be happier.
    Adele Barbara
    Adele Barbara
    07:21 13 Feb 22
    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
    I couldn't be happier with Fix Bad Credit . After a relationship breakdown I was left with a substantial amount of debt , and ended up with a coupe of defaults , and RHI info on my credit file .13 weeks later I'm debt free, I've been approved for a credit card, and saving for a house.If you need to change your financial situation , these guys are the real deal . Thanks so much
    Kelly Care
    Kelly Care
    09:24 20 Jun 21

    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.