G`day Jack,

I have just received information that my debt agreement has been discharged. Teri and I would just like to thank you for the professional and understanding way you handled our debt agreement for the past 5 years. In 5 years a lot can change and you made a difficult time a lot easier. You were always ready to help us out when things got tough and that meant a lot to us. This was the best solution for us and you eliminated any stress caused by having all this debt. I thought we would have to be forced into bankruptcy but you allowed us to keep our home of 29 years. We are so grateful, thank you again.

Ross and Teri

I have to thank Debt Free Australia for their professional and quick solutions to my debt solution. Since sorting it out in 2009, I felt secure in knowing my future was being sorted out, Thanks to Jack and the team as well, as they were also able to help me during my agreement to ensure i was able to live my life without being too restricting, was very happy with I paid it off in 2013!

Cam, Melbourne

I would like to thank Debt Free Australia for all their help. Debt Free Australia helped me avoid bankruptcy and helped me getting my life back on track through a Debt Agreement. Debt Free Australia is a very professional organisation which listened and I found easy to approach. I could never imagine my life without debt and thanks to Debt Free Australia I can now live my life.

Scott

Debt Free Australia assisted me in regaining my financial freedom! I had excessive credit card debt and it got to the point where it was so overwhelming, I needed help. The debt agreement provided me with relief and support and before I knew it, the debt started disappearing!

3 years on I am DEBT FREE! Thank you Debt Free Australia for changing my life and providing me with the much needed help and support!

Erwin

Thanks to Debt Free Australia’s Debt Agreement Proposal that is helping me to successfully pay off my debts over 5 years. After going through hard times which resulted in me losing my license, having to find a new job closer to home, and my car being repossessed, Debt Free Australia acted on my behalf. I am now on my way to finishing my obligations under the Debt Agreement, which will leave me Debt Free.

Paul

After hard times of separating with my husband which left me with a home loan, car loan, and a number of white goods loan, my income was sinking fast and I needed help. Although I tried my best my debt kept mounting, as I could not pay them as they fall due. I was struggling to keep up with my payments, including a second car loan repayment with two options; file for bankruptcy or receive help. With Debt Free Australia, a Debt Agreement was prepared on behalf of myself that helped me pay off my debt. As a result of the work Debt Free Australia did for me, I am now living Debt Free!

Natalie

Thanks to Debt Free Australia for the support and guidance over last few years, which has helped me to successfully complete my Personal Insolvency Agreement. I now appreciate the hard line you had to take at times when I fell behind in my PIA repayments. My journey was tough and I had to overcome many obstacles, which included me losing my job through the GFC, a marriage break-up, counselling and finally the marriage reconciliation at the end of the day all has ended well and I sincerely thank Amber at Debt Free Australia for her help and understanding over the past few years…. I have learned many lessons & I am delighted to say I am now debt free!

Adam, Sydney (May 2013)

Dear Debt Free Australia,

I would like to thank you and your team again for all the help and understanding with our situation. When my husband lost his job we thought that he would only be unemployed for a short time. As time went by and the longer it was taking to find a job, we went into survival mode, using credit cards, robbing Peter to give to Paul just to get by and make ends meet.

During this time there was also 5 deaths in the family and our family dog was put down due to bone cancer in the November. A week before Christmas, and a month after losing our family dog, our other dog was diagnosed with a tumour on her leg which would become inoperable if they didn’t operate straight away, so four days before Christmas she had the surgery. Needless to say, we had a very depressing Christmas and new year, hoping that the new year would be better.

Our financial situation took a nose dive the longer my husband was working casual and out of permanent work. Whilst he was working casual, he would not know sometimes until between 8pm-10pm the night before if he was working the next morning. Sometimes by time he would find out it was too late to try and get work through another agency.

Twelve months later, he found a permanent job, but it was too late for us to pull ourselves back up financially as all the debt started to catch up with us. Unable to sleep, we were sinking. We were under so much stress. It was one of the worst years of our lives and we needed help. It looked like our only option would be to become bankrupt.

I had been doing some research on how to get out of debt when I saw an advertisement on the television advertising a company that helped people in our situation. I called them but they didn’t seem interested in listening to our story and it made me feel that we were on our own.

I continued to research and found an advertisement on the internet for get Debt Free Australia. I read through all the information and found that we had a couple of avenues to explore other than becoming bankrupt.

I called them and found them to be extremely sympathetic and helpful. They sent out a kit with all the information and an application to fill out so they could accurately assess our situation and advise what our options would be. From that moment, for the first time I felt that there was hope for our situation. Finally someone was listening and appeared to be interested in helping us.

Amber you took us on and told us that there was a light at the end of the tunnel even though we couldn’t see it. You worked patiently with us while we were stressed and upset with our situation and feeling that there was no way out of it. You advised us that a Personal Insolvency Agreement was our best option and we would be able to keep our home and not become bankrupt.

There were times that I felt things weren’t happening quick enough because we continued to sink and the calls and the letters from creditors were coming daily, but you kept reminding us that there was a light at the end of the tunnel and each day we were getting closer to that light, even though we couldn’t see it yet.

When we met with you, and you advised us that the PIA had been approved, I felt such a relief and a weight lift off my shoulders. It had been such a long time since I felt that way. Thanks to all the hard work that Amber and the team put in at Debt Free Australia, we now have the PIA and even though we still have a long way to go, we now know that at the end of the agreed time when the PIA Is finished we will no longer have that debt. Needless to say the phones have now stopped ringing with calls from creditors.

Amber, thanks to you we can finally sleep and see a future. When you and Anthony (our Controlling Trustee) announced that the PIA had been approved, I could finally see the tunnel with you at the end of it showing us that there was such a bright light, and from that moment on our lives would change. Just like you told us it would.

We would highly recommend you to anyone that has found themselves in the same situation as us and tell them that there are not on their own and to seek help.

Thank you again Debt Free Australia.

Trish

Life had become difficult. Sleepless nights, panic attacks whenever the phone rang, dizziness on receipt of threatening letters and invoices of ever increasing debt, short tempered and snapping at everyone around me. These were some of the nasty symptoms I experienced as a result of my inability to maintain repayments to all the creditors since losing my stable high-income job of several years which literally ended overnight with no warning or compensation. The carefree careless high-life very quickly became the anxious desperate low-life.

One day, feeling helpless and depressed, I bought a newspaper for distraction. I stumbled on an advertisement which jumped out at me – “Debt Free Australia” it proclaimed. “Call us now to discuss how we can help” it encouraged. My sleepless nights, panic attacks, dizziness, short temper, anxiety, helplessness and depression ended the moment I called to Debt Free Australia. The friendly, genuinely interested and professional staff at Debt Free Australia gave me options I was not aware of. Bankruptcy was the only solution as far as I knew but after discussions with Debt Free Australia, the best solution for me was a Personal Insolvency Agreement thus avoiding the dreaded bankruptcy. Debt Free Australia submitted my Personal Insolvency Agreement to my creditors for their approval and the day they did, my life changed. I was in control again. It allowed me to make affordable monthly payments moreover; it abruptly ceased all threatening correspondences from the creditors and froze their crippling interest charges. If I had not dragged my sorry self out of the house and bought that blessed newspaper, I would be bankrupt and homeless now.

I highly recommend Debt Free Australia to anyone experiencing debt-related bewilderment and stress. The staff are genuinely caring, helpful, trustworthy and more importantly, they have the knowledge and skills to get you out of that debt hell-hole you are in. Debt Free Australia will inform you of the different choices/pathways for your individual situation where you can have an input into the process. Debt Free Australia will empower you by providing accurate information and relevant options for your consideration. Debt Free Australia will support you throughout the process and you will feel relieved as I did, that someone on the same level-playing-field as your creditors is batting for you. Debt Free Australia went in to bat for me and turned it into a win-win situation. They can do that for you too.

I am enormously grateful to the staff of Debt Free Australia as they saved me and my children from bankruptcy and losing our home. As a consequence of this experience, I have become a debt-free consumer and a much smarter financial operator. The only way is up from here. Thank you Debt Free Australia for your professional people-centered service.

SAG

Day after day, year after year we tried to maintain payments to our creditors as were trapped in a cycle of debt. We were receiving constant telephone calls and letters requesting to pay more than we could afford. After being blinded by the drowning of debt for so long we woke up one morning and decided enough is enough. It was time to take control of our financial situation. We had worked too hard and battled for so long to end up being prisoner’s to bankruptcy which we were staring straight down the barrel of and to lose the house which we were hanging onto by a thread.

After searching the internet in a moment of desperation looking for solutions we came acrossDebt Free Australia. After reading their website we decided to give them a call. I spoke to who I consider an angel from up above by the name of “Amber” who gave me professional advice and options I was not aware of.

Bankruptcy was the only solution as far as we knew but after a few discussions with Debt Free Australia, the best solution for us was a Personal Insolvency Agreement thus avoiding the dreaded bankruptcy.

After a lot of hard work from the Debt Free Australia team we finally entered into a Personal Insolvency Agreement which was tailored to suit our situation allowing us to make one monthly payment to our creditors which we can afford and still have enough left to pay the mortgage and other bills and more importantly start living life again. We no longer have the constant stress and we get to keep our house.

I highly recommend Debt Free Australia to anyone experiencing debt related problems. The staff is caring, professional, understanding and more importantly have the knowledge and skills to get you out of the cycle of debt. Debt Free Australia will always keep you informed and provide you with accurate information. When they battle for you a win-win outcome is the only solution giving you complete confidence in their ability.

So instead of wondering what can be done just

Debt Free Australia

it.

A&K

With regards to successful outcome of my Personal Insolvency Agreement, I like to thank you all so much for helping me getting out from this vicious situation I was in. For me, this is not less than a miracle and have taught tough lessons. I certainly see this as life changing opportunity and to avail to the best.

M.R.

Debt Free Australia changed my life for the better. All I had to do was admit I was out of my depth with credit card debt and recognise that it was making me ill waiting for the next bill to arrive.

In many ways debt is like alcoholism and once you admit there is a problem and determine to do something about it no matter how much your pride is knocked about by admitting this to a third party, the hard part is over.

After my call to Debt Free Australia, Jack kindly assisted me throughout the whole process. Debt Free Australia were very professional in the way they conducted business and found me a result that was affordable and sustainable for me. I was glad to see the back of my debts but was more relieved that there was a plan in place. My call to Debt Free Australia in 2009 was clearly the smartest move I had made. And I am now debt free!

Just make the call.

I was that far in debt, it felt like I was drowning. I suffered from depression, with constant harassing phone calls and letters from debt collectors, it was slowly taking its toll on me. I tried to get my bank to help but they were not very helpful at all. I saw an advert for Debt Free Australia, that was the best choice I have made, Debt Free Australia actually took the time to listen to my money concerns and did everything possible to help, their one-on-one service was outstanding. If you were having trouble, a quick phone call and it was sorted! No fuss and no bullying tactics, just genuine concern and help. I would recommend Debt Free Australia and their staff to anybody having financial trouble. THEY ARE BRILLIANT!!!!

They have given me my life back!

David

I would like to thank Jack, for your help for the past 5 years. You have always been approachable and professional. You have managed to answer any questions that I or my wife have had. I would not be in the position that I am today if it was not for Jack and Debt Free Australia. My finances were pretty grim and I’m not sure where I would have gone or done.

My wife and I would like to thank the team at Debt Free Australia for all their help and assistance. We can now enjoy financial freedom!

Simon

My name is Jeff and I am an office Manager working in Sydney. Three years ago my life was ‘grey’ with 5 credit cards, a bank personal loan and a well known finance company debt preventing me from sleeping, enjoying life and having a strong relationship.

I worked so hard to earn a good salary only to see very little of it left on payday each month. The banks and finance company got it all and to make matters worse, the debts only reduced marginally each month due to the high interest rates charged and the size of the debts – I was running on the same blade of grass

I contacted Debt Free Australia and was introduced to one of the Debt Advice Specialists, Mr Jack Panaghis. The service I received from Jack was excellent and to be quite honest, it was difficult to believe that they could do what they said was possible. Today, 3 years later, they proved me wrong and all my commitments with the outstanding loan companies no longer exist.

Don’t waste another hour –call them and speak to one of their very friendly, well trained and understanding staff and START LIVING AGAIN.

JD – Sydney

I have been a client of Debt Free Australia for some time now, specifically with Jack Panaghis. I am a firm believer in giving praise where it is due.

I have been in business for many years and due to some difficult times required your services. Jack has been my contact since inception and I wish to let you know that the service provided and attention given to my wife and I by Jack can only be described as well above the required. Nothing appears to hard for him and contact with him is just so easy.

Thanks to Jack and your company, I am now back on track looking forward to a safe and secure retirement in 15 years.
I am prepared to give this testimony to any prospective clients you may wish to give my details.

Again thank you and please pass on to Jack our thanks.

With Kind Regards,

Greg

My wife and I had been struggling for some time to pay not only a large tax debt, but also credit card debt. With the ability to service the debt no longer possible, the only solution we could see was to apply for bankruptcy and possibly lose our home. Through the actions and advice from the Debt Free Australia not only were we able to keep our home, but we will be debt free in four years. We are very grateful to the staff at Debt Free Australia for their patience and perseverance in helping us through a very difficult time.

Thank you.

Derrick Kettlewell

My wife and I had been struggling for some time to pay not only a large tax debt, but also credit card debt. With the ability to service the debt no longer possible, the only solution we could see was to apply for bankruptcy and possibly lose our home. Through the actions and advice from the Debt Free Australia not only were we able to keep our home, but we will be debt free in four years. We are very grateful to the staff at Debt Free Australia for their patience and perseverance in helping us through a very difficult time

D.K