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Trapped in a cycle of debt


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



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I had sleepless nights before speaking to Debt Free Australia


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.


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A Personal Insolvency Agreement was what we needed


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.


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After a long and stressful journey, I am now debt free!


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!


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