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Make your debt repayments more affordable

Are your unsecured debts stressing you out?
We can:

  • Reduce your unsecured debts
  • Protect your credit file
  • Stop creditor harassment

Speak to one of our financial specialists today.

We can negotiate privately with your creditors to reach a new, legally binding, affordable repayment arrangement for your debt which won’t impact your credit file.

Affordable Payments

We can negotiate with your creditors to reduce your debt amount to a repayment amount you can afford. Often, you only pay a fraction of each dollar you owe.

Private Negotiation

We negotiate with your creditors privately to reach a legally binding agreement. These negotiations are not part of a formal agreement which means they won’t be noted on your credit file.

Get Back Control

In order for us to negotiate on your behalf, we need to become an authority on your debts. If your creditors want to chase anyone, they chase us, leaving you in peace!

Why use an Informal Payment Arrangement?

If, for whatever reason, we are not able to assist you with a Debtstroyer Home Loan, we won’t leave you out in the cold. We will negotiate with your creditors to make your debts more manageable through an informal arrangement.

An Informal Payment Arrangement has a number of benefits. Because the negotiations are made privately with your creditors, the informal arrangement isn’t marked on your credit file and makes it the perfect solution for someone who needs to address their debt, but isn’t able to refinance just now.

Debtstroyer Home Loans will tailor an informal repayment arrangement around your unique circumstance so whether the agreement lasts for a number of months or spans a number of years, we can help.

How does it work?

An Informal Payment Arrangement allows you to renegotiate the conditions of your debt repayments, making them more affordable for you, while still honouring your creditors.

A Debtstroyer Home Loans debt negotiator will determine a weekly budget for your living expenses to see how much is left over after all your essential payments are covered. Once they know a figure, they will negotiate with your creditors to reduce your debt amount to what you can afford.

Creditors are often happy to accept an agreement where they only receive a fraction of each dollar owed as it means they can still recover a portion of their funds.

The new repayment terms are legally binding so your creditors must stop their collection action and honour the new arrangement.

Our Process

We combine consolidation and debt negotiation with specialised lending products to help you improve your finances and get on with life!

Assessment and Preparation

We will assess your financial situation and help you prepare the documentation required for your application.

Creditor Negotiation

We will get to work negotiating with your creditors to reduce the amount of debt you owe and improve your financial standing.

Approval and Freedom

Success! Once our negotiations are complete, your application will be approved and you will be free to get on with your life.

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