Please..Let Us Free You From Your Debts

We contact banks, lenders, creditors, debt collectors and lawyers on your behalf

We negotiate an informal repayment plan that you can actually afford, without affecting your credit file

  • We can negotiate with your current lenders or creditors to lower your repayments

  • We can attempt to freeze interest on your credit cards and loans

  • We can refinance your home loan and consolidate debts

  • We can make an offer to your creditors to pay out your debts at a reduced amount (debt settlement)

  • We can stop any further calls, letters or legal action

  • We can help even if you have late payments, missed payments, arrears, bad credit history or other credit issues

Client Example

Mr and Mrs Taylor had the following loans and credit cards and were struggling to keep up with payments as Mrs Taylor went from fulltime to part time wages due to the new addition (baby) Rose

Current Repayments (minimum)

  • ANZ CC $5000 @ $100 mth

  • CBA CC $25,000 @ $500 mth

  • CBA PL $45,000 @ $428 mth

  • Citibank CC $28,000 @ $560 mth

  • NAB CC $40,000 @ $800 mth

Total Repayments $2388 month

The credit cards were maxed out so the repayments were only paying back the interest

We completed the client’s assets and liabilities, worked out their real expenses, income and a figure they could afford to pay, without hardship

We then presented the figures to each creditor and arranged for the following:

  • a reduction in repayments for 6 months

  • Freeze interest

The new agreed repayments:

  • $1690 month (after our fee)

  • Saving of $698 per month

Over the next 6 months, it was up to Mrs Taylor to try to go back to full time wages, or for Mr Taylor to increase income, so that in 6 months time they could start repaying the correct amount again

Unfortunately this did not occur for various reasons.

So we reapproached the creditors, explained the situation, and they agreed to put the entire debt into a repayment plan over 7 years with no interest

This was an informal agreement, not a part 9 debt agreement

Just as importantly, no adverse remarks listed on their credit file

So the new repayment is the same at $1690 month, which Mr and Mrs Taylor have been paying without hardship for the past 6 months

The credit cards have been cut up, and finally the debts are going to be repaid in full, and Mr and Mrs Taylor can breathe again, without stress




Latest Reviews

It was all explained upfront, we have several debts and credit cards that were negotiated to a lower monthly repayment, makes it easier to pay the bills and loans again.

N and K Barrett

Well done you really helped us Matt and we now have just one repayment on our debts, I can breathe again.

H and S Cartwright

Saved our butts and dealt with the banks for us, truly worth it.

B Halliday

With over $150,000 in credit card debt we were in real trouble, but 1800badcredit talked to our lenders and we are now on a plan we can afford to pay.

E King & O Forrest

Did what they said they would and negotiated our debts down by 40% which was just amazing, thank you so much.

C & C Winter

We had 5 debts and were in trouble trying to pay them, we were surprised that after some negotiating we had our repayments reduced to 50% less for 6 months

A Courtney & P Granger

The fees are worth it if you need help with your debts.

We also had our house refinance after 6 months which paid all our debts out.

I thought we could just speak to the banks ourselves, but truth is we don’t know how to negotiate and the debt collectors are horrible, so leave it up to the professionals.

J & B Carruthers

I was thinking that a part 9 debt agreement was my only option, even had another company told me to go bankrupt, anyway got my debts sorted and couldn’t be happier now.

Thank you for your empathy.

Alex S.

Great job Peter you really went above and beyond, sorry for the 100 questions, but you did it and we might get this debt paid off.

H & E Cordy