Australia's largest provider of debt solutions

We help 100,000 Australians each year. Find out if we can help you resolve your debt and take control.

Get a FREE debt analysis The initial phone consultation is provided free of charge. Our solutions may not be appropriate or available to all consumers.

How It Works

Free debt analysisComplete our debt analysis and to see if you qualify for assistance. It takes about 5 minutes; all information will be treated confidentially and will not be shared with anyone. The analysis will not impact your credit score.

Free initial phone consultationWe will listen to you, discuss your situation and provide you with all the options that may resolve your debt, including the benefits, consequences and cost of each option. It is a confidential and free process without obligation.

You make the decisionWe aim to ensure you are fully informed. It is then up to you to decide what you want to do. We will make sure the debt solution you choose is affordable and provides you with real long term benefit.

Our Debt Solutions

Debt Consolidation

Debt consolidation is taking multiple debts and consolidating them into a single loan, subject to a single interest rate with a single monthly repayment. This makes managing your debt situation significantly easier and often you can end up paying less each month than you were paying before.

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Debt Agreement

A debt agreement is a legally binding arrangement between you and your creditors to repay your debts. Under a debt agreement you agree to repay an amount to your creditors over a set period of time, up to 3 or 5 years. This repayment amount is based on what you can reasonable afford to pay.

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Home Loan Refinance

Home loan refinancing uses the equity available in your property to repay other high interest debts. It may allow you to consolidate your current monthly repayments from all your debts into one convenient repayment. The benefits may include paying off your mortgage faster and a reduction in the amount you repay each month.

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Informal Arrangement

An informal arrangement is an agreement between you and your creditors which may include agreeing to an amount you can reasonably afford to pay, giving you more time to pay, agreeing to re-negotiate the loan, settling for a lesser sum or freezing the interest for a period of time.

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Personal Insolvency Agreement

A personal insolvency agreement is an arrangement between you and your creditors to satisfy your debts. The arrangement could consist of a contribution of your income over a period of time or an assignment of your assets. The arrangement must be accepted by a special resolution of creditors and is legally binding.

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Bankruptcy Assistance

If you are in debt and are considering bankruptcy think before you act. Bankruptcy is a last resort and has serious consequences. You need to be fully informed. Before you make any decision or take any steps talk to us. There are alternatives.

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Do you have $10,000 or more in debts and a job?

Get a FREE debt analysis and see if you qualify for assistance.

Click below to get started.

Check If You Qualify

All information will be treated confidentially and will not be shared with anyone. This analysis will not impact your credit score. The initial phone consultation is provided free of charge. Our solutions may not be appropriate or available to all consumers.

Financial and Loan Calculators

A selection of useful calculators to help you understand how much your debt is costing you.

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Client Testimonials

What do our customers think about Fox Symes? Hear what other customes are saying about us.

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