Financial Counselling
Financial counselling is a free service to assist you with managing your budget and changing your spending habits. It can help you get back on your feet if you are struggling to put food on your table.

Financial Hardship
If you are experiencing difficulty in making repayments on your debts, or loans, when they are due as your circumstances have changed, then you can request a repayment arrangement based on grounds of financial hardship

Informal Arrangement
An informal arrangement with your creditors may include agreeing to an amount you can reasonably afford to pay, giving you more time to pay, agreeing to re-negotiate the loan, settling for a lesser sum or freezing the interest for a period of time.

Debt Moratorium
A debt moratorium is an informal arrangement with your creditors to put your repayments on hold for a period, often up to 12 months, to give you time to get back on your feet.

Debt Consolidation
Debt consolidation is packaging multiple debts into a single loan, subject to a single (often lower) interest rate with a single monthly repayment.

Debt Settlement
If you have access to a lump sum which is not sufficient to repay your outstanding debts in full, a Debt Settlement may help. A debt settlement is an informal arrangement with your creditors that offers less than the full amount you owe in order to wipe out the debt completely.

Debt Negotiation
This is an informal payment arrangement to enable you to pay your creditor off over time, potentially deferring payments until you get back on your feet or making your payments more management and affordable.

Home Loan Refinance
With mortgage interest rates at an all-time low you may be able to use the equity in your home or investment property to repay other high interest debts, potentially enabling you to consolidate your monthly repayments from all your debts into one convenient repayment.

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