With an ever-increasing number of Australians declaring that they are insolvent, and many of them declaring bankruptcy each year, the need for effective and efficient financial assistance is greater than ever.
For professional financial assistance at the lowest price guaranteed, Debt Free Australia is the answer.
Debt Free Australia (DFA) are highly experienced insolvency specialists operating in Australia, with a proven track record in providing professional and successful financial assistance to Australian individuals. DFA assists individuals facing personal insolvency who are considering declaring bankruptcy or looking for an alternative. We work closely with our clients in order to seek out the cause of their financial hardship, determine which financial solution suits their circumstances best and see them through the process of becoming debt free.
When seeking financial assistance, many individuals are unaware of their options and generally think of bankruptcy as the only solution. Thankfully, the Australian Government has developed a number of alternatives to help over-indebted Australians better deal with their intense financial strain.
At DFA, we always recommend that one considers the legal alternatives to bankruptcy in order to minimise any negative effects on their home-life, employment and credit file. These bankruptcy alternatives include a Debt Agreement or a Personal Insolvency Agreement. Before these agreements were developed, there were really only two ways of settling your unsecured debts – either pay them in full or declare yourself bankrupt. With the advent of Debt Agreements and Personal Insolvency Agreements, debtors are now able to negotiate an affordable payment plan with their creditors and avoid many of the harsh consequences of bankruptcy.
Both agreements are quite similar, in that a repayment amount is agreed on by your creditors, all interest on your debts is frozen and you are protected from any creditor trying to recover more money from you. Debt Free Australia can act as the administrator of either type of agreement, which is not something that all companies are capable of doing, and will become the only point of contact with your creditors. We will oversee your repayments and distribute dividends to your creditors in the order and manner that the law requires.
The financial assistance provided by DFA is focused on helping you to determine which debt relief option will most benefit you. By applying for one of these bankruptcy alternatives, you can have the peace of mind of knowing that you are protected from any creditors threatening legal action or bankruptcy.
If you wish to propose a Debt Agreement or Personal Insolvency Agreement, DFA can help. With both a Debt Agreement Administrator and a Registered Trustee on site, we can begin working on your case straight away and follow it through to its completion, without passing you over to another company.
For more information on Debt Free Australia’s financial assistance services, or for free and impartial on bankruptcy and its legal alternatives, contact our 24/7 hotline today on 1800 462 767.

The Australian Financial Security Authority’s personal insolvency report for 2013-14 reveals that the second most common cause for insolvency, as listed by debtors, was excessive use of credit. A total of 6,999 debtors across the nation became insolvent during this time due to not being able to meet their credit card and personal loan repayments.
With over half a million Australians carrying, on average, more than $5,000 in credit card debt – why then do credit cards remain popular?
Despite their potential for concern, having a credit card can be beneficial to your financial wellbeing. While they do carry a significant risk when paired with irresponsible use, closely monitored credit card use is an effective way to build a strong credit history. This will in turn create benefits in the future. For example, a high credit score may mean paying less on insurance products. It could also mean paying an interest rate several points lower on mortgage loans than someone with a poor credit history. Basically, the better your score, the less you may have to pay in the long run.
Other benefits of credit cards include having instant access to funds in cases of emergency; receiving rewards when using them, such as cash back or frequent flyer points; and having a detailed and complete monthly purchase summary, which eliminates the effort of recording every purchase into your budget as you would when paying in cash.
However, improper or haphazard use of credit cards will have the opposite effect. It can lead to a large accumulation of unmanageable debt and have disastrous consequences for future financial opportunities. It can also place your assets at risk of being collected and sold, as a credit card provider can potentially petition to have you made bankrupt if you are unable to make your repayments.
If you are struggling to pay off your debts on time, you need to take action now and carefully consider your debt-management options. Debt Free Australia is a team of insolvency experts who can assist you to recover from your unmanageable debt problems. We can help you decide whether applying for bankruptcy is the best solution for you, or whether you could consider an alternative arrangement such as a Debt Agreement or a Personal Insolvency Agreement. Call us today on 1800 462 767 or email us at info@debtfreeaustralia.com.au for more information about our services.

If you are experiencing financial hardship it is often difficult to find proper advice that makes your debt easier to manage. At Debt Free Australia, we provide financial assessments and insolvency advice that can help you to reach a manageable solution!
As well as providing trustworthy financial advice to our clients, we offer a completely free debt assessment service which will help you determine whether you need professional debt assistance. Our goal is to provide you with solutions that will get you out of debt, not give you even more! This is why we strive to offer you the most affordable financial advice service, guaranteed!
In determining what solutions are available for you, we evaluate your financial circumstances and provide you with the ins and outs of your position and any suitable options. At Debt Free Australia we have experienced consultants who you can trust to provide you with financial advice that is professional and personalised to your individual case. We have a proven track record in helping Australians to solve their debt problems and avoid bankruptcy.
We can advise you on any number of personal debt solutions, including:

1. Debt Agreements
2. Personal Insolvency Agreements
3. Bankruptcy
4. Debt Consolidation

With our help, you will be able to determine which of these is the right choice for you. We have the experience to provide you with the best advice, catered to your unique financial situation.
So, what are you waiting for? Give us a call on 1800 462 767 to receive financial advice on your personal debt today!

Recent reports show that Australians are world leaders in personal debt. The Reserve Bank of Australia (RBA) states that in Australia the main contributors to personal debt are household debt (mainly mortgages), credit cards and loans – totalling over $1 trillion AUD.
The latest RBA numbers, released in December last year, show that although personal debt cases are slowly decreasing, Australians continue to borrow strongly for housing and business – both of which can have a heavy impact on personal debt.
With Australian legislation designed to assist first-time home buyers and overall low interest rates, many Australians are currently living beyond their means. Personal debt can be manageable in small amounts, but it can become overwhelming if you are not able to make your repayments as they fall due.
If you have accumulated a large amount of personal debt, Debt Free Australia (DFA) can help you to get it back under control. In operation since 2006, DFA has helped thousands of Australians to rid themselves of unsecured debt. Our personal debt services are provided by our professional team of licensed and registered insolvency practitioners. Call us today on 1800 462 767 to speak to one of our personal debt advisors – no charge or obligation!

Are you struggling with personal debt? The effects of over-indebtedness can be debilitating, both financially and emotionally, and can take a huge toll on your home life. Mounting bills can make you feel as if you have been left alone to deal with your personal debt- but rest assured, Debt Free Australia is here to help! At Debt Free Australia, our aim is to provide you with affordable solutions to help you deal with your personal debt.
Debt Free Australia has helped thousands of Australians with their debt problems, and we want to help you too. Call one of our experts on our free, confidential hotline and stop drowning in your personal debt! If you find that you are only ever paying the minimum repayments, using your credit cards to pay off other debts, missing payments because you can’t afford to make them, or you find yourself lying to your friends and family about the amount of personal debt you have, you should consider giving us a call.
At Debt Free Australia we provide fast and helpful expert advice for anyone struggling with debt, no matter how large or small the amount. Our service is professional, confidential and tailored to suit you and your unique financial needs.
So what are you waiting for? Get yourself out of personal debt before it’s too late! Call the DFA hotline today on 1800 462 767 and make an appointment to consult with one of our personal debt specialists. Stop sinking and start swimming today!

Debt Free Australia has been operating nationwide since 2006, and has helped thousands of Australians to get out of debt by assisting them with accurate assessments and quality insolvency advice.
Debt Free Australia consultants have been specially trained and can confidently deal with your personal debt problems. Potential clients can rest assured that they will receive the best possible service by a licensed and registered insolvency practitioner.
In order to manage your debt problems, you need to first understand your situation and the options available to you – this is where Debt Free Australia steps in. Our personal debt advisors will offer the best insolvency service and provide you with debt-relief options that best suits your needs and circumstances.
Many companies working across Australia can only offer one or two options to manage your debt. However, here at Debt Free Australia we are fully licensed to offer any of the formal debt-relief products as governed by the Australian Financial Security Authority. Some of our insolvency service options include:

• Completing your bankruptcy forms for a once off fee (starting from $400)
• Acting as your Trustee in bankruptcy for a low fee
• Debt Agreements
• Personal Insolvency Agreements

Everyone’s personal circumstances are different, so our professional consultants will conduct a proper assessment to ensure that we find the right debt solution for you. We will start by asking you about your income, what you spend your money on each month, what assets you own, your current debts and, of course, what you can afford. Fully understanding your situation is what makes our insolvency service stand out from the rest.
If you are experiencing financial strain, contact Debt Free Australia on 1800 462 767 to receive the best insolvency service.

Do you need professional advice for your debt problems ? Unsure of what debt solution is right for you? Debt Free Australia offers professional and reliable financial advice for those struggling with debt in Australia.
Debt Free Australia recognises the importance of choosing the right company to get you debt free. You will feel at ease with us, knowing that we have a proven track record in helping people with advice and solutions to get them out of debt.
With highly trained Personal Debt Advisors who are ready and willing to understand your specific financial problem, you will receive the best possible financial advice and recommendations for the right course of action for you.
Debt Free Australia is able to offer you a number of different solutions to manage and settle your personal debt. For some people, the best option is bankruptcy – but there are alternative options, such as a Debt Agreement or Personal Insolvency Agreement. Everyone’s situation is different. Our advisors will conduct a full financial assessment and ensure that their advice to you is suited to your specific needs.
Call us now on 1800 462 767, or complete a submission form online, for one of the most professional and reliable financial advice services in Australia.

People get into financial difficulty for all kinds of reasons. If you are in an undesirable financial position, it is not the end of the world. There are several steps you can take to get your debts back under control.
The first step is to recognise and accept your financial situation. In this case, ignorance is not bliss. Interest charged on your debts does not disappear, and the situation will only snowball the longer you delay repayment.
One way to manage your payments to creditors is to make a repayment plan. If you are struggling to meet your credit card and loan repayments, take action immediately by contacting your creditors and asking about a hardship arrangement. Try to negotiate a plan while being honest and realistic about what you can afford.
Sometimes it is a good idea to check your credit report. Be sure to check that you have not forgotten about an old debt that is now affecting your file, and that any loans or debts listed on your credit record are actually yours or have not been amounted incorrectly. If something does not look right, you can apply for an amendment.
You might also consider using an external dispute resolution scheme. You will find that many industries have their own ombudsmen and external dispute resolution (EDR) schemes that you can file complaints with. Utilising these services is a much simpler alternative to resolving disputes in court.
If none of the above strategies have worked, then seek professional advice from financial organisations such as Debt Free Australia. At Debt Free Australia, we can help you with formal solutions to clear out various types of debt. We provide expert financial advice to guide you in the right direction.
Call us today on 1800 462 767 for a free assessment of your debt situation. Our toll free advice line is open 7 days a week so call when it is convenient to you.

Declaring bankruptcy is not the end of your financial reputation; there is a life after bankruptcy and your long struggle with debt will have an end. In fact, the objective of bankruptcy is to help those who want to regain control of their finances and extinguish their debt. Here are Debt Free Australia’s tips for getting back on track after bankruptcy.
If you have had to declare bankruptcy, you need to let go of any shame or guilt that you might be feeling. Financial mistakes happen and situations arise that are beyond our control. Resolve and make peace with the decision, and your future will be automatically brighter.
Upon reflecting and realising that debt is a reality that can happen to anyone and is nothing to be ashamed of, learn from your experience. Assessing past decisions that placed you on the path to debt and bankruptcy is an important part of ensuring that you are not placed at risk again. Once you are able to pinpoint the things that went wrong, you will remember and avoid the traps of bankruptcy the next time around.
Remember to create a realistic budget and be sure to pay all bills on time. Living within the confines of what you can afford without credit will immediately place you in a great position of avoiding debt. In addition, you can rebuild your credit card rating by obtaining a secured credit card and making small purchases each month. Before you know it, the stress and worry of your bankruptcy will be a thing of the past.
For more information on bankruptcy and life after bankruptcy, feel free to call us on 1800 462 767.
 

Are you finding yourself struggling with the burden of personal debt? Do you need immediate debt relief? Here at Debt Free Australia, you can get help with your debt problems from our highly trained Personal Debt Advisor.
With our free Debt Assessment service,we can help end your search for debt relief. In addition, we offer four solutions to help put an end to your struggle with unsecured debt:

• Bankruptcy (assisting you in completing the bankruptcy forms)
• Bankruptcy (acting as your Trustee in bankruptcy)
• Debt Agreement
• Personal Insolvency Agreement

Your personal debt problems can be solved. Seek immediate debt relief by calling our 24-hour phone service on 1800 462 767 or complete our online submission form today.