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Helping Australians with debt since 2009

Debt options, explained plainly. 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, and any commission we receive from a lender, are explained before you decide
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
Your options

What’s going on right now?

Pick what sounds closest and we’ll show which of our services are usually worth talking through. Every option has trade-offs, so each one lists them.

Debt consolidation
One new loan pays out several debts, so there’s a single repayment to keep track of. We look at lending options through our panel.
Good to know: lending criteria apply. Spreading repayments over a longer term can mean paying more interest overall.

How consolidation works →

Informal arrangements
We negotiate new repayment terms with each of your creditors, 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.

How informal arrangements work →

Debt agreements (Part IX)
A legally 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. It’s listed on your credit report and the National Personal Insolvency Index, and income, debt and asset limits apply.

Debt agreement pros and cons →

Personal insolvency agreements
A formal agreement for people whose debts or income are above the debt agreement limits, administered by a registered trustee.
Good to know: it’s a formal insolvency option, listed on your credit report, and it can stop you managing a company while it’s in place.

How Part X agreements work →

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. We’ll tell you plainly if a listing looks accurate.

How credit file reviews work →

Business & ATO debt
ATO payment arrangements, director penalty notices and small business restructuring with a registered practitioner.
Good to know: business debt has its own 5-question check, built for directors and sole traders.

Business tax debt help →

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.
Compare honestly

The trade-offs, side by side

Every option has downsides. Here’s how the main personal debt options compare.
Debt consolidation loan Informal arrangement Debt agreement (Part IX) Personal insolvency agreement (Part X)
What it is One new loan pays out several debts New repayment terms negotiated with each creditor A binding agreement with creditors, run by a registered administrator A formal agreement for higher debts or incomes, run by a registered trustee
Formal insolvency? No No Yes Yes
Credit report A credit enquiry and the new loan are recorded Hardship or repayment information may be recorded Usually up to 5 years, or longer in some cases Usually up to 5 years, or longer in some cases
National Personal Insolvency Index No No Yes 5 years from when it’s made, or until it’s completed if that’s later Yes, permanently
Who has to agree The lender. Lending criteria apply Each creditor, one by one Creditors vote. A majority by value must accept Creditors vote at a meeting
Watch out for A longer term can mean more interest overall Creditors don’t have to agree, and interest may keep running Income, debt and asset limits apply. It’s an act of bankruptcy Can stop you managing a company while it’s in place
General information only. Which options suit you depends on your situation, and we’ll go through it on the call.
Reviews

What clients say

Reviews from ProductReview.com.au, shown as they were written.
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

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.

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. 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 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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