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Debt help in Adelaide

Debt help in Adelaide: start from where you are right now.

There’s no Debt Negotiators office in Adelaide. Our team is based in Bankstown, NSW, and works with people in Adelaide and across South Australia by phone. Tell us what’s happening, and we’ll explain which options fit, what they cost and their downsides.
Answer 9 quick questionsCall 1300 351 008
Debt Negotiators is a fee-based service. Fees, and any commission we receive from a lender, are explained before you decide.
Good to know if you’re in SA
No Adelaide office. Everything can be done by phone
Adelaide is 30 minutes behind Sydney all year
Bankruptcy and debt agreements are national law, so the rules are the same in SA
There’s no obligation to go ahead after the call

Find your situation →

LicensedAustralian Credit Licence 390820
Registered with AFSADebt agreement administrator 1403
Since 2009Bankstown-based team
Real reviewsOn ProductReview.com.au
Where are you now?

Pick the situation that sounds closest

Many people fit more than one. Each situation lists the options usually worth talking through, with their trade-offs.

Keeping up, but juggling several debts
A debt consolidation loan, or an informal arrangement with your creditors.
Good to know: lending criteria apply and some applications are declined. Applying records a credit enquiry, a longer term can cost more overall, and a loan secured on your home puts the home at risk.

How consolidation works →

Behind, and the budget won’t stretch
An informal arrangement, or a debt agreement with us as the AFSA-registered administrator.
Good to know: creditors don’t have to agree to an informal arrangement. A debt agreement is an act of bankruptcy, has debt, asset and income limits, and goes on the National Personal Insolvency Index.

How informal arrangements work →

Debts or income above the debt agreement limits
A personal insolvency agreement under Part X, run by a registered trustee.
Good to know: it’s an act of bankruptcy, stays on the index permanently, and can stop you managing a company.

How Part X agreements work →

Wondering whether bankruptcy is the answer
We explain how bankruptcy works and how it compares with the other options. We aren’t a trustee.
Good to know: it usually lasts 3 years and 1 day, can affect your assets, income, travel and work, and stays on the index permanently.

How bankruptcy compares →

Something on your credit file looks wrong
We review the listing and ask for a correction where there are grounds to.
Good to know: correct listings can’t be removed, and some requests are refused.

How credit file reviews work →

Your business owes the ATO
ATO payment arrangements, director penalty notices and small business restructuring with a registered practitioner.
Good to know: the options depend on how the business is set up, and a director penalty notice has a 21-day window.

Business tax debt help →

Not sure which fits? That’s what the call is for. You can also compare all our debt solutions.
Your record

What stays on your credit report and the public index

One of the biggest differences between the options is what gets recorded, and for how long. The National Personal Insolvency Index is a public record of formal options under the Bankruptcy Act, kept by AFSA.

Formal options also go on your credit report, usually for up to 5 years, or longer in some cases. That can affect your ability to get credit, and we go through it before you decide.

At a glance
Consolidation loan: a credit enquiry and the new loan go on your credit file
Informal arrangement: hardship or repayment information may be recorded
Debt agreement: on the index for 5 years from when it’s made, or until it’s completed if that’s later
Personal insolvency agreement: on the index permanently
Bankruptcy: on the index permanently
How it works

From your situation to your options

1

Answer 9 quick questions
About a minute, with rough figures. No credit check. Start here.
2

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

You hear your options, then decide
What each one involves, what it costs and its downsides. There’s no obligation to go ahead.
What it costs

Debt Negotiators is a fee-based service. Fees are explained before you decide, and 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.

Referrals and payments: 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.

Adelaide debt help questions

Do you have an office in Adelaide?

No. We don’t have an office in Adelaide or anywhere in South Australia. Our team is based in Bankstown, NSW, and works with people in Adelaide by phone, as we do in Sydney, Melbourne, Brisbane and Perth. If you’d prefer to meet face to face, you can make an appointment at our Bankstown office.

Adelaide is half an hour behind Sydney. Does that affect calls?

Only slightly. South Australia uses daylight saving, as New South Wales does, so Adelaide stays 30 minutes behind Sydney all year. We call Monday to Friday, 9am to 5pm Sydney time (8:30am to 4:30pm in Adelaide), and if a time doesn’t suit, tell us when does.

Is bankruptcy law different in South Australia?

No. Bankruptcy, debt agreements and personal insolvency agreements all come under the Bankruptcy Act 1966, which applies across Australia. The process and consequences are the same in South Australia as anywhere else.

I already have a payment plan with one creditor. Can you still help?

Yes. We look at all your debts together, including any arrangements already in place, and explain whether it makes sense to keep them as they are or look at another option.

What's the difference between a debt agreement and a personal insolvency agreement?

Both are formal agreements under the Bankruptcy Act, and both are acts of bankruptcy. A debt agreement has debt, asset and income limits and is run by a registered debt agreement administrator, such as Debt Negotiators. A personal insolvency agreement has no such limits, is run by a registered trustee, and stays on the National Personal Insolvency Index permanently.

Can I get a consolidation loan with bad credit?

Sometimes. Lenders look at your income, expenses and credit history, and some applications are declined. We’ll tell you honestly whether a loan looks realistic before anything is applied for, and go through the other options if it doesn’t. More on bad credit and consolidation.

Does it cost anything to talk to you?

The first conversation costs nothing. Debt Negotiators is a fee-based service, and fees are explained before you decide whether to go ahead.

Start from where you are

Answer 9 quick questions, then we call to go through the options that match your situation.
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.
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