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See Your Options
Helping Australians with debt since 2009

See your debt options in about a minute. Then you decide.

Answer 9 quick questions to see your options. A Debt Negotiators specialist then calls to go through each one with you: what it involves, what it costs and its downsides.
Answering doesn’t affect your credit score
Consolidation, informal arrangements, debt agreements and more
Fee-based service. Fees are explained before you decide anything
ACL 390820Australian Credit Licence
AFSA RDAA 1403Registered debt agreement administrator
Bankstown, NSWAustralia-wide by phone
Prefer to talk? 1300 351 008

Whats your current level of debt?

Answer a few quick questions to see your debt help options.

$5,000 $1,000,000+
LicensedAustralian Credit Licence 390820
Registered with AFSADebt agreement administrator 1403
Since 2009Bankstown-based team
Real reviewsOn ProductReview.com.au
How it works

Three steps, and nothing is decided until you’ve heard the options

No pressure, no jargon. If an option isn’t right for you, we’ll say so.
1

Answer 9 quick questions
About a minute. Roughly how much you owe, who to, and what comes in each week.
2

We call you
A member of our team goes through your answers and asks a few more questions.
3

You hear your options, then decide
What each option involves, what it costs and its downsides. There’s no obligation to go ahead.
Answer the 9 questions
A woman reading through paperwork at her kitchen table

What it costsDebt Negotiators is a fee-based service. Fees depend on the option and the work involved, and they’re explained before you decide. The first conversation costs nothing.
Straight answers
Before you start
Debt Negotiators is a fee-based service, not a helpline. Here’s what that means for you.
The first conversation costs nothing
Fees are explained before you decide
Every option comes with its downsides
No obligation to go ahead
Our fees, and any commissions we may receive, are set out in our Credit Guide.

See your options

Common questions

How much does Debt Negotiators cost?

Debt Negotiators is a fee-based service. Fees depend on the option and the work involved, and they’re explained before you decide anything. The first conversation costs nothing.

Will answering the 9 questions affect my credit score?

No. The questions don’t involve a credit check. Some options can affect your credit file if you go ahead with them, and we’ll tell you which ones before you decide.

Do I have to go ahead after the call?

No. You hear your options, what each one costs and its downsides, and then you decide. There’s no obligation.

What's the difference between consolidation and a debt agreement?

A consolidation loan is new credit that pays out your other debts. It isn’t an insolvency option, but lending criteria apply. A debt agreement is a formal agreement with your creditors under the Bankruptcy Act. It’s listed on your credit report and the National Personal Insolvency Index.

I've had a debt agreement or bankruptcy before. Can you still help?

A new debt agreement usually isn’t available within 10 years of a previous debt agreement or bankruptcy. Other options may still be, and we’ll go through them with you.

What kinds of debt do you work with?

Credit cards, personal loans, buy now pay later, utility and phone bills, and business and ATO debt. Tell us what you owe and we’ll go through what’s possible.

Who will I speak to?

A member of our team, based in Bankstown, NSW. We work with people right across Australia by phone.

Prefer to write?

Send us a message instead

Leave your details and a member of our team will be in touch. Debt Negotiators is a fee-based service, and fees are explained before you decide.
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  • Please enter a number from 999 to 9999.
  • An unsecured debt is a debt that isn’t connected to an asset such as a house or car, for example, store cards, credit cards, personal loans, or tax debts.

We collect your name, contact details and answers to assess your options and contact you about them. See our Privacy Policy for how we handle your information.

See your options in about a minute

Answer 9 quick questions, then we call to talk them through.
Answer 9 quick questionsCall 1300 351 008
Debt Negotiators is a fee-based service. The information on this page is general and doesn’t take your circumstances into account. Outcomes depend on your situation, and no outcome is guaranteed. Formal options such as debt agreements and personal insolvency agreements can affect your credit report and your ability to get credit. ACL 390820 · AFSA RDAA 1403.
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Talk to us about your options. Debt Negotiators is a fee-based service, and fees are explained before you decide.
1300 351 008

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