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In these difficult financial times, you sometimes need help to get your accounts back in order. Perhaps you’ve lost your job, experienced a relationship breakdown, suffered a drop in income or sometimes it’s just all too much. With account fees, interest and charges being added, you’re getting nowhere or sinking fast and the stress is building. It’s not that you don’t want to pay your debts, it’s just that you can no longer manage.

It’s important to know that in these situations, there are OPTIONS! Agreement Services specialize in two of the most useful options covered by Commonwealth legislation to assist you—Part IX Debt Agreements and Voluntary Bankruptcy.

DEBT AGREEMENTS provide an opportunity to repay your debts in a manageable way with what you can truly afford and avoids bankruptcy. “Part IX Debt Agreements” were introduced by the Commonwealth Government as a legally-binding, negotiated arrangement with your creditors.

BANKRUPTCY provides an opportunity for you to be released from your unsecured debt. It protects you, your income, and your essential assets from creditors. There are times when the best, and sometimes only, option is voluntary bankruptcy. Bankruptcy should not be feared, but be seen as a safety net.

There are benefits and consequences with whatever action is taken, and further information can be viewed on this site.