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Debt help in Sydney

Debt help in Sydney, from a team based in Bankstown.

Our team is based in Bankstown, in Sydney’s south-west. We go through every option that might fit your situation, from consolidation and informal arrangements to debt agreements, with what each one involves, what it costs and its downsides. Then you decide.
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 before you call
We work by phone, so there’s no need to travel to Bankstown
Every option has trade-offs, and we explain them before anything else
Formal options affect your credit report and are recorded on a public index
There’s no obligation to go ahead after the call

See all the options →

LicensedAustralian Credit Licence 390820
Registered with AFSADebt agreement administrator 1403
Since 2009Bankstown-based team
Real reviewsOn ProductReview.com.au
Where to start

One conversation about all your debts

Most people who call us have more than one debt. Rather than starting with one product, we look at the whole picture: what you owe, who to, what comes in each week and what you can realistically pay.

From there, we explain which options look realistic and which don’t. For some people an informal arrangement is enough. For others, a formal option under the Bankruptcy Act is worth weighing up. Sometimes the honest answer is that a new loan isn’t the right move.

Debts we work with
Credit cards and store cards
Personal loans
Buy now pay later
Utility and phone bills
Business and ATO debt
Whether a debt can be included depends on the option and, for a loan, on the lender.
Your options

Debt help options, with the downsides

The services we offer in Sydney and right across Australia. Each lists its trade-offs, because none suits everyone.

Debt consolidation
One new loan pays out several debts, so there’s a single repayment. We look at lenders on our panel.
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.

Learn more →

Informal arrangements
We negotiate new repayment terms with each creditor, based on what you can realistically pay.
Good to know: creditors don’t have to agree, interest may keep running, 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. We’re an AFSA-registered administrator.
Good to know: it’s a formal insolvency option and an act of bankruptcy, with debt, asset and income limits. It’s on your credit report and the National Personal Insolvency Index.

Learn more →

Personal insolvency agreements
A formal Part X agreement for debts, assets or income above the debt agreement limits, run by a registered trustee.
Good to know: it’s an act of bankruptcy, it’s listed on the National Personal Insolvency Index permanently, and it can stop you managing a company.

Learn more →

Credit file corrections
If a listing on your credit file looks wrong, we review it and ask for a correction where there are grounds to.
Good to know: correct listings can’t be removed, and some requests are refused. A correction doesn’t change the debt itself.

Learn more →

Bankruptcy information
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 it’s on the National Personal Insolvency Index permanently.

Learn more →

Business & ATO debt
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 what’s owed, and a director penalty notice has a 21-day window.

Learn more →

Compare them on our debt solutions page. Thinking mainly about a loan? See debt consolidation in Sydney and our repayment calculator.
How it works

From Bankstown, by phone

1

Answer 9 quick questions
About a minute. Roughly what you owe, who to, and what comes in each week. 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 option involves, what it costs and its downsides. If an option isn’t right for you, we’ll say so.
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.

Prefer to read first? Our step-by-step guide to getting on top of debt is a good place to start.

Sydney debt help questions

Do I need to come into the Bankstown office?

No. Our team is based in Bankstown, in Sydney’s south-west, but we work with people by phone. You can go through your options with us from home, without travelling. If you’d prefer to meet face to face, you can make an appointment at our Bankstown office.

Do you only help people in Sydney?

No. We work with people right across Australia by phone, including in Melbourne, Brisbane, Perth and Adelaide.

When will you call me?

After you answer the 9 questions, a member of our team calls you Monday to Friday, between 9am and 5pm, to go through your answers. If it isn’t a good time when we call, tell us when suits you better.

Is a consolidation loan the only option?

No. Depending on your situation, an informal arrangement, a debt agreement or a personal insolvency agreement may be worth comparing, each with its downsides. Our Sydney debt consolidation page covers loans in more detail.

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.

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

A new debt agreement usually isn’t available if you’ve been bankrupt, had a debt agreement or proposed a personal insolvency agreement in the last 10 years. Other options may still be open, and we’ll go through them with you.

How much does it 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.

Talk to our Bankstown team

Answer 9 quick questions, then we call to go through every option 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.
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