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About us

About Debt Negotiators. Debt options, explained plainly.

We’re a Bankstown-based team that has worked with Australians on their debts since 2009. We explain the options that might fit your situation, what each one costs and its downsides. Then you decide.
Answer 9 quick questionsCall 1300 351 008
Fee-based service. Fees, and any commission we receive from a lender, are explained before you decide.
At a glance
A & M Group Pty Ltd trading as Debt Negotiators
Australian Credit Licence 390820
AFSA registered debt agreement administrator 1403
Based in Bankstown, NSW, working Australia-wide by phone

Where to find us →

LicensedAustralian Credit Licence 390820
Registered with AFSADebt agreement administrator 1403
Since 2009Bankstown-based team
Real reviewsOn ProductReview.com.au
Who we are

A Bankstown team, working with people Australia-wide

Debt Negotiators is the trading name of A & M Group Pty Ltd, an Australian company based in Bankstown, NSW. We’ve been working with Australians on unmanageable debt since 2009.

Most of the people we speak with have more than one debt, such as credit cards, personal loans, buy now pay later or a tax debt. Our job is to look at the whole picture and explain which options are realistic, which aren’t, and why.

A & M Group also runs Click Financial, a finance and mortgage broking business. If home loan refinancing is the right option for you, we refer you to it internally, and we’ll tell you about that, and any commission, before you decide.

Our details
A & M Group Pty Ltd, ABN 90 138 457 520
Australian Credit Licence 390820
AFSA registered debt agreement administrator 1403
PO Box 200, Bankstown NSW 1885
What we do

The services we offer

Each one has trade-offs, and none suits everyone. We explain them before anything goes ahead.

Debt consolidation
One new loan pays out several debts, so there’s a single repayment.
Good to know: lending criteria apply, a credit enquiry is recorded, and a longer term can cost more overall.

Learn more →

Informal arrangements
New repayment terms negotiated with each creditor, based on what you can pay.
Good to know: creditors don’t have to agree, and it may show on your credit report.

Learn more →

Debt agreements (Part IX)
A binding agreement with your creditors to repay an affordable amount over time.
Good to know: it’s a formal insolvency option, listed on your credit report and the National Personal Insolvency Index.

Learn more →

Personal insolvency agreements
A formal Part X agreement for higher debts or incomes, run by a registered trustee.
Good to know: it’s listed on the National Personal Insolvency Index permanently.

Learn more →

Credit file corrections
If a listing looks wrong, we ask for a correction where there are grounds to.
Good to know: correct listings can’t be removed.

Learn more →

Business & ATO debt
ATO payment arrangements, director penalty notices and small business restructuring.
Good to know: restructuring is carried out by a registered practitioner, not by us.

Learn more →

We also explain how bankruptcy works and how it compares with the other options. We aren’t a trustee.
How we work

Options first, then you decide

1

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

We look at the whole picture
A member of our team calls to go through your debts, income and budget.
3

You hear your options, then decide
What each option involves, what it costs and its downsides. If an option isn’t right for you, we’ll say so.
How we’re paid

Debt Negotiators is a fee-based service. Fees are explained before you decide. The first conversation costs nothing.

If you take out a loan we arrange, we may receive a commission from the lender. We’ll tell you about it before you decide. The rates are in our Credit Guide.

We work with a panel of registered trustees and a panel of registered small business restructuring practitioners. If we refer you to one, we may receive a referral payment, and we may charge fees for pre-insolvency work. We’ll tell you about any payment or fee before you decide.

Licences

What we’re licensed to do

Australian Credit Licence 390820
Our credit licence covers our credit services, including arranging consolidation loans and asking for credit file corrections.
AFSA registered debt agreement administrator 1403
We’re registered with AFSA to administer debt agreements under Part IX of the Bankruptcy Act.
We aren’t a registered trustee, liquidator, administrator or small business restructuring practitioner. More about our team and how we write our content.
Where to find us

Bankstown, NSW, and by phone

Most people work with us by phone, from anywhere in Australia. If you’d prefer to meet face to face, you can make an appointment at our Bankstown office.

You can also reach us through our contact page.

Contact details
Post: PO Box 200, Bankstown NSW 1885
Hours: Monday to Friday, 9am to 5pm Sydney time

About Debt Negotiators

Who owns Debt Negotiators?

Debt Negotiators is the trading name of A & M Group Pty Ltd, ABN 90 138 457 520, an Australian company based in Bankstown, NSW.

How much do your services cost?

Debt 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.

Talk to our Bankstown team

Answer 9 quick questions, then we call to go through the options that might fit.
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

or enquire online now.

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