I HAVE UNPAID DEBT

Every situation is different.

We focus on helping you understand your position and identify the appropriate next step.

Let’s Talk About Your Situation

I HAVE UNPAID DEBT

How We Can Help › I Have Unpaid Debt

I Have Unpaid Debt

Unpaid debts can become difficult to manage, especially when several accounts, creditor contact or financial hardship are involved.

Understanding the full position is the first step toward deciding what may be realistic and appropriate.

WHAT YOU MAY BE EXPERIENCING

Does Any of This Sound Familiar?

You have one or more overdue accounts
You are receiving creditor or collection contact
You are struggling to keep up with repayments
Financial hardship has affected your ability to pay
You are unsure which debts should be dealt with first

Understand the Debt Before Choosing a Solution

The right approach depends on your circumstances, the debts involved and your ability to meet ongoing commitments. We focus on understanding the position before discussing possible options.

What We Can Help You Look At

Who the creditors are
Balances and repayment status
Any hardship circumstances
Existing repayment arrangements
Relevant credit-report information

HOW WE HELP

How We Can Support the Process

Map the Situation

Build a clearer picture of your debts and current commitments.

Review Relevant Information

Consider available account and credit information.

Understand Your Capacity

Look at the circumstances affecting repayment.

Explain Possible Options

Discuss realistic pathways that may be available.

Set Clear Expectations

Explain scope, limitations and potential fees before proceeding.

Support the Agreed Next Step

Where appropriate, provide the agreed assistance.

Debt Problems Usually Need a Realistic Plan

There is rarely a useful one-size-fits-all answer. A practical plan should be based on your actual financial circumstances rather than promises of a quick fix.