Get Debt Free

Credit card consolidation

debtfreeseo — Mon, 06 Feb 2012 00:59:55 +0000

Ever wondered how credit card consolidation works? Have you mentioned your debt problems to friends or family who have suggested that credit card consolidation might be an option for you, but were unsure about how to go about it. Our web site helps you understand what credit card consolidation is and how to find out if it is right for you.

At a basic level, credit card consolidation is when you obtain a fresh loan or a formal repayment plan which rolls all credit cards (whether they be store cards or bank cards) into one fresh debt.

Credit card consolidation will only be successful if you consult with an agency who thoroughly assesses your household budget to ensure that you can afford the repayments. The repayments will depend on the type of credit card consolidation plan you opt for. The different types of credit card consolidation plans are:

Debt consolidation loan
Formal debt repayment plan with your creditors (such as a Debt Agreement or Personal Insolvency Agreement)

Often people get so stressed and ashamed that they try to ignore the credit card debt and hope it will go away, but when you get trapped in credit card debt, you need to consult with experts who know how to solve the problem.

Experience tells us that if you ignore a credit card debt it will only get worse and the debt will escalate over time. There are several ways to get yourself out of serious credit card debt, but without any expert debt knowledge, many people facing such a problem are not aware of the available solutions.

This is where an expert can help. At Debt Free we are experts in solving credit card debt with many years of experience and will speak to you in language you will understand.

If you want to avoid the constant stress from debt collectors and stop the phone from ringing, then call us today for help or request a free online debt assessment.

Start Living Again! another testimonial for get debt free

debtfreeseo — Thu, 02 Feb 2012 10:44:53 +0000

We are proud to share the below testimonial from yet another individual we have helped with overcome their debt problems. If you can relate to the below story, and would like to be free of debt, give us a call or request a debt assessment

‘My name is Jeff and I am an office Manager working in Sydney. Three years ago my life was ‘grey’ with 5 credit cards, a Bank personal loan and a well known Finance Company Debt preventing me from sleeping, enjoying life and having a strong relationship.

I worked so hard to earn a good salary only to see very little of it left on payday each month. The Banks and Finance Company got it all and to make matters worse, the debts only reduced marginally each month due to the high interest rates charged and the size of the debts – I was running on the same blade of grass

I contacted Get Debt Free and was introduced to one of the Debt Advice Specialists, Mr Jack Panaghis. The service I received from Jack was excellent and to be quite honest, it was difficult to believe that they could do what they said was possible. Today, 3 years later, they proved me wrong and all my commitments with the outstanding loan companies no longer exist.

Don’t waste another hour –call them and speak to one of their very friendly, well trained and understanding staff and START LIVING AGAIN.

JD – Sydney’

Trapped in a cycle of debt

debtfreeseo — Mon, 30 Jan 2012 02:22:15 +0000

Day after day, Year after year we tried to maintain payments to our creditors as were trapped in a cycle of debt. We were receiving constant telephone calls and letters requesting to pay more than we could afford. After being blinded by the drowning of debt for so long we woke up one morning and decided enough is enough. It was time to take control of our financial situation. We had worked too hard and battled for so long to end up being prisoner’s to bankruptcy which we were starring straight down the barrel of and to lose the house which we were hanging onto by a thread.

After searching the internet in a moment of desperation looking for solutions we came across Debt Free. After reading their website we decided to give them a call. I spoke to who I consider an angel from up above by the name of “Amber” who gave me professional advice and options I was not aware of.

Bankruptcy was the only solution as far as we knew but after a few discussions with Debt Free, the best solution for us was a Personal Insolvency Agreement thus avoiding the dreaded bankruptcy.

After a lot of hard work from the Debt Free team we finally entered into a Personal Insolvency Agreement which was tailored to suit our situation allowing us to make one monthly payment to our creditors which we can afford and still have enough left to pay the mortgage and other bills and more importantly start living life again. We no longer have the constant stress and we get to keep our house.

I highly recommend Debt Free to anyone experiencing debt related problems. The staff is caring, professional, understanding and more importantly have the knowledge and skills to get you out of the cycle of debt. Debt Free will always keep you informed and provide you with accurate information. When they battle for you a win-win outcome is the only solution giving you complete confidence in their ability.

So instead of wondering what can be done just Debt Free it.

A&K

Are you doing it tough? – Let us help you get debt free!

Debt Free Pty Ltd — Fri, 13 Jan 2012 19:05:00 +0000

If you are struggling with credit card debt or personal loan debt and have been refused a debt consolidation loan, you may wish to consider an alternative debt relief solution which may help you avoid formal bankruptcy. Call today to see if you qualify on 1800 98 10 70.

Our friendly & professional personal advisors are trained to provide you with expert advice on bankruptcy and other credit card debt relief solutions. We have a proven track record in the field of personal insolvency. Our CEO is a Chartered Accountant and Registered Trustee in Bankruptcy so rest assured you will receive the best possible personal insolvency advice to help solve your financial problems.

What kind of debt problems do we help solve?

excessive credit card debt; or
excessive personal loan debt

Getting out of debt

Getting out of debt needs to be carefully and professionally managed. Debt Free has been assisting Australians for many years with debt relief solutions tailored to help people get out of debt

Consolidating debt

Consolidating debt can be achieved in many different ways such as:

obtaining a debt consolidation loan
entering into a debt relief solution by agreement with your creditors

Our affordable and flexible debt relief solutions are tailored to your individual needs by:

Reducing your stress by stopping threatening creditor calls and mail
Saving you from being forced into formal bankruptcy?

Call today to see if you are eligible for our Debt Relief Solutions. Our toll free line is open 5 days a week on 1800 98 10 70

Brief overview of our services

Debt Consolidation loan refused?

Debt Free Pty Ltd — Fri, 13 Jan 2012 19:04:16 +0000

Has your debt consolidation loan been refused or declined? If so you may consider our alternative debt relief solutions today.

We offer FREE initial advice without obligation Call Us Now on 1800 98 10 70.

What are our alternative solutions if you have been refused a loan?

If you have been refused a consolidation loan due to a poor credit history or the financial institution does not believe you can service the loan and you cannot meet your other financial commitments (ie you are struggling with unmanageable levels of debt), you may wish to consider some other debt relief solutions:

What is Debt Consolidation?

Debt Consolidation is a financial product (usually a personal loan) whereby you roll old debts into a fresh loan, ie you combine many different debts into a single loan.

What are the benefits of a obtaining a loan to consolidate debt?

One single loan repayment per month rather than many individual repayments
Secure a lower rate of interest
Shorten the total repayment period

Consolidating debts

Credit cards
Store cards
Other personal loans

Who offers debt consolidation loans?

Typically these types of loans are offered from major financial institution like the big 4 banks in Australia. We also recommend that you shop around for the lowest interest rate and account keeping fees. Remember to ask about the account keeping fees and the loan establishment fee as these can greatly affect the effective rate of interest. Not all financial institutions will offer these type of loans on an unsecured bases ( ie without security), so you may be asked to put up an asset as collateral (like a house or a car).

Will I qualify for a loan?

It is unlikely you would qualify for a loan if any of the following factors are present;

You have a bad credit record; or
You have been bankrupt in the last 10 years; or
You are in default with other loan repayments
You do not have regular employment.

If you have been refused a debt consolidation loan, you may wish to consider our debt solution services. Remember our advice is free and without obligation, so call us today toll free on 1800 98 10 70, you have nothing to lose!