If you’re in financial distress, you’re not alone. We have helped many people negotiate with creditors over the last nine years, achieving positive outcomes allowing our clients to gain back control of their financial future. 
 
When we first meet, we listen - Here are some of our clients frequently asked questions:

Why should you act quickly when you can’t pay your creditors?
Financial distress situations can be incredibly overwhelming, with many choosing to put their head in the sand and ignore the issue. Ignoring the problem usually only acts to exacerbate, and unsympathetic creditors tend to respond aggressively. The consequences of avoidance are generally detrimental and can lead to bankruptcy. 
We work quickly and transparently to minimise your financial distress, giving you breathing space while we develop a workable strategy to get you back in a sound financial position. 
 
What type of creditors do you negotiate?
We negotiate with a broad range of creditors, including:

• Personal and director guarantees
• Personal loans
• Credit cards
• Home and investment property loans
• Australian Taxation Office
• Office of State Revenue
• Utility services including water, gas, electricity
• Car loans and leases 
• Buy now pay later, rent to buy facilities
• Payday loans
• Trade creditors
• Equipment leasing.

 
What will the likely outcome be to help me (or my business) get back on my feet?
Depending on your situation, our strategy, and the negotiation process, the outcomes we seek are:

• Further time to repay 
• Discounted lump sum settlements
• Reduced payments 
• Deferral of interest and penalties
• Debt waiver on compassionate grounds.

 
Why should I use a professional advisory team?
Our unique expertise allows us to provide solutions across a wide range of financial issues in a cost-effective manner. Our team are specialists in accounting, debt negotiation and restructuring. We approach each financial distress situation in a thoughtful and caring way. 
 
We are here to help and can be contacted on (02) 8304 9302 for a confidential cost and obligation free discussion. 

In Australia, financial counselling is a free and confidential service provided by community organisations, community legal aid and some government agencies. It is an essential service for over 125,000 people each year experiencing financial distress. Financial counsellors are skilled in listening to problems when an individual's judgement and clarity may be distorted. What people need is non-judgemental and confidential advice plus a workable plan to improve their financial distress situation.