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These are difficult times. You may need help in getting your finances back in order and your life back on track. Perhaps you have lost your job, been “down-sized” or suffered a relationship breakdown. Perhaps with everything else, it’s just all too much. With account fees, interest and charges being added, you’re getting nowhere 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.

“The most important things in life are food, shelter and clothing. When money is tight, put them first. Debt isn’t as important as those and you shouldn’t give it priority.”

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 repayments that you can truly afford. “Part IX Debt Agreements” were introduced by the Commonwealth Government as a legally-binding, negotiated arrangement between you and your creditors and avoids bankruptcy.

VOLUNTARY BANKRUPTCY provides an opportunity for you to be released from your unsecured debt. It protects you, your income, and your essential assets from your creditors. There are times when the best 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.

AGREEMENT SERVICES

Debt Consulting & Administration

Ph: 1300 762 086