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Why A Debt Agreement Can Be A Better Option Than Bankruptcy

Are you struggling to repay your debts but want to avoid filing for bankruptcy? At Debt Free Australia, we can offer an alternative solution to mending your debt problems: through a Debt Agreement. A Debt Agreement is a legal alternative to bankruptcy in which you arrange to pay a certain amount back to your unsecured creditors over a set period ...

How Does Debt Consolidation Work?

How Does Debt Consolidation Work? It is common for people to find themselves in a position where they have to pay off more than one debt at once. If you are struggling to balance multiple debt repayments, it is worth considering debt consolidation. Debt consolidation is the process of taking all your current debts and putting them into one new ...

What is a Statutory Demand? (2023 Guide for new business owners)

What is a Statutory Demand? (2023 Guide for new business owners) If your business has accrued unpaid debts, your creditors may choose to serve you with a statutory demand. A statutory demand is a form of debt collection tactic that, when used, has repercussions for your company. You must take action as soon as possible after receiving a statutory demand, ...

Credit card traps to avoid

Credit cards are designed for convenience and can be a useful financial tool if used properly. However, credit cards can also lead you down a path of costly debt that end up costing you more than you realise. See below for credit card traps that you should avoid: 1. Minimum repayments When making repayments you may feel the need to ...

5 Reasons for failure in Australian Small Business

5 Reasons for failure in Australian Small Business As a small business owner, you're likely aware of the facts about small businesses and Australia's high business failure rate. 60% of enterprises fail during the first 3 years, and half of those that fail are profitable. Although these are grim figures, it's vital to remember that, as a business owner, you ...

Pros and Cons of Debt Consolidation

Pros and Cons of Debt Consolidation Any business will have debt. And while managing various debts can be straightforward at times, it can also be a nightmare at other times. To minimise costs by lowering interest and fees and making it simpler to manage your credit, you can consolidate your debt by reducing all of your loans into one. It ...

Should I use my superannuation to pay off my debt?

It is compulsory in Australia for your employer to make regular payments into your superannuation fund from your salary. Superannuation is designed to pay for your living expenses in retirement. The only time you should access your superannuation before retirement is for serious cases only and it is subject to approval from your superannuation fund. Superannuation is normally protected from ...

What Are My Personal Debt Solutions?

What Are My Personal Debt Solutions? If you find that your debts are piling up and you are starting to lose sleep over your financial affairs, then it is time to start exploring personal debt solutions. There is a range of debt options that you may consider, and DFA offers every single one of them. So what are my personal ...


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