Chapter_Two_Master_Logo_2Col

ChapterTwo is a financial services company who specialise in creating debt solutions for our clients. We ensure that you transition from debt to financial security – with no black marks on your credit history. If you have over $10,000 of credit card debt, please get in touch with us today.

Take control of your debt today

The journey to financial freedom is just 60-seconds away. Simply fill in the form below to get started. Once completed we will be in touch with a plan to start reducing your debts. 

Chapter_Two_Master_Logo_No tagline

ChapterTwo is a financial services company who specialise in creating debt solutions for our clients. We ensure that you transition from debt to financial security – with no black marks on your credit history. If you have over $10,000 of credit card debt, please get in touch with us today.

Debt wiped
Australians helped
Interest saved
Saved from bankruptcy
80m+

Debt wiped

6k+

Australians helped

30m+

Interest saved

6k+

Saved from bankruptcy

chaptertwo app in mob
c2 favicon

Download our app & watch your balance decrease without interest compounding

This app is the first of its kind in Australia. See your debts in one place without having to login to numerous internet banking sites!

Just one regular payment!

Just one regular payment!

View your live credit score

View your live credit score

Stop the calls

Stop the calls

We protect your credit rating

We protect your credit rating

No Debt Agreements

No Debt Agreements

Freeze interest & repayments

Freeze interest & repayments

Reduce debts by up to 80%

Reduce debts by up to 80%

Full Support

Full Support

c2 favicon

Download our app & watch your balance decrease without interest compounding

This app is the first of its kind in Australia. See your debts in one place without having to login to numerous internet banking sites!

chaptertwo app in mob
Just one regular payment!

Just one regular payment!

View your live credit score

View your live credit score

Stop the calls

Stop the calls

We protect your credit rating

We protect your credit rating

No Debt Agreements

No Debt Agreements

Freeze interest & repayments

Freeze interest & repayments

Reduce debts by up to 80%

Reduce debts by up to 80%

Full Support

Full Support

Debt Solutions

Our solutions allow you to avoid bankruptcy and get you back on track
An Informal Debt Arrangement allows you to resolve your debt issues without suffering the harsh consequences of a Part 9 Debt Agreement or Bankruptcy and does not place a default on your file.

Informal Debt Agreement

An Informal Debt Arrangement allows you to resolve your debt issues without suffering the harsh consequences of a Part 9 Debt Agreement or Bankruptcy and does not place a default on your file.
A Full & Final settlement involves negotiating an agreement with your creditors for a final settlement by offering a reduced lump sum to close your debts, rather than paying the full amount.

Full & Final Settlements

A Full & Final settlement involves negotiating an agreement with your creditors for a final settlement by offering a reduced lump sum to close your debts, rather than paying the full amount.
A Long Term Arrangement involves negotiating an agreement with your creditors to vary your credit contract, with affordable monthly repayments, to pay off your debts over a longer period of time.

Long Term Arrangement

A Long Term Arrangement involves negotiating an agreement with your creditors to vary your credit contract, with affordable monthly repayments, to pay off your debts over a longer period of time.

Mortgage Solutions

We assess and tailor mortgage solutions to your financial situation
If you’re after a more competitive rate on your existing mortgage, then our ChapterTwo consultants have access to industry leading rates.

Mortgage Refinance

If you’re after a more competitive rate on your existing mortgage, then our ChapterTwo consultants have access to industry leading rates.
If you own property, and also have excessive personal debts – we can heavily reduce your liabilities by refinancing your mortgage and negotiating with your creditors.

Debt Negotiation Refinance

If you own property, and also have excessive personal debts – we can heavily reduce your liabilities by refinancing your mortgage and negotiating with your creditors.
Chasing your dream home? Our experienced mortgage brokers know the market inside and out. We have hundreds of different products to choose from and always find the best deal for our clients.

Purchases & Investments

Chasing your dream home? Our experienced mortgage brokers know the market inside and out. We have hundreds of different products to choose from and always find the best deal for our clients.
reduce debts

Debt Solutions

Our solutions allow you to avoid bankruptcy and get you back on track
An Informal Debt Arrangement allows you to resolve your debt issues without suffering the harsh consequences of a Part 9 Debt Agreement or Bankruptcy and does not place a default on your file.

Informal Debt Agreement

An Informal Debt Arrangement allows you to resolve your debt issues without suffering the harsh consequences of a Part 9 Debt Agreement or Bankruptcy and does not place a default on your file.
A Full & Final settlement involves negotiating an agreement with your creditors for a final settlement by offering a reduced lump sum to close your debts, rather than paying the full amount.

Full & Final Settlements

A Full & Final settlement involves negotiating an agreement with your creditors for a final settlement by offering a reduced lump sum to close your debts, rather than paying the full amount.
A Long Term Arrangement involves negotiating an agreement with your creditors to vary your credit contract, with affordable monthly repayments, to pay off your debts over a longer period of time.

Long Term Arrangement

A Long Term Arrangement involves negotiating an agreement with your creditors to vary your credit contract, with affordable monthly repayments, to pay off your debts over a longer period of time.
room to breath

Mortgage Solutions

We assess and tailor mortgage solutions to your financial situation
If you’re after a more competitive rate on your existing mortgage, then our ChapterTwo consultants have access to industry leading rates.

Mortgage Refinance

If you’re after a more competitive rate on your existing mortgage, then our ChapterTwo consultants have access to industry leading rates.
If you own property, and also have excessive personal debts – we can heavily reduce your liabilities by refinancing your mortgage and negotiating with your creditors.

Debt Negotiation Refinance

If you own property, and also have excessive personal debts – we can heavily reduce your liabilities by refinancing your mortgage and negotiating with your creditors.
Chasing your dream home? Our experienced mortgage brokers know the market inside and out. We have hundreds of different products to choose from and always find the best deal for our clients.

Purchases & Investments

Chasing your dream home? Our experienced mortgage brokers know the market inside and out. We have hundreds of different products to choose from and always find the best deal for our clients.

The Process

c2 favicon

How does it work?

Call us on 1300 344 433 or submit a contact form and we will call you at a time that best suits you. For many of our clients this is the hardest part, but rest assured you are not alone, and we will support and guide you throughout the process.

Get in touch with ChapterTwo

Get in touch with ChapterTwo

Everyone’s situation is completely different so we will listen you and your circumstances and then provide you with the options that best suit you – all without a default on your credit file!

We listen and assess your situation

We listen and assess your situation

Once we are formally engaged you will be connected with a dedicated case manager that will be your contact at ChapterTwo.

You engage us to act on your behalf with your creditors

You engage us to act on your behalf with your creditors

We will liaise directly with your creditors and ensure the plan or negotiations are undertaken smoothly.

We initiate and negotiate the plan set out for you

We initiate and negotiate the plan set out for you

It’s time to focus, on what’s important in life and let us take care of the rest.

Start your journey to becoming debt free!

Start your journey to becoming debt free!

c2 favicon

How does it work?

Everything you need to know in 5 easy steps!

Get in touch with ChapterTwo

Get in touch with ChapterTwo

Call us on 1300 344 433 or submit a contact form and we will call you at a time that best suits you. For many of our clients this is the hardest part, but rest assured you are not alone, and we will support and guide you throughout the process.

We listen and assess your situation

We listen and assess your situation

Everyone’s situation is completely different so we will listen you your circumstances and then provide you with the options that best suit you – all without a default on your credit file!

You engage us to act on your behalf with your creditors

You engage us to act on your behalf with your creditors

Once we are formally engaged you will be connected with a dedicated case manager that will be your contact at ChapterTwo.

We initiate and negotiate the plan set out for you

We initiate and negotiate the plan set out for you

We will liaise directly with your creditors and ensure the plan or negotiations are undertaken smoothly.

Start your journey to becoming debt free!

Start your journey to becoming debt free!

It’s time to focus, on what’s important in life and let us take care of the rest.

eBook:

Why You Should Never Accept a
Part IX Debt Agreement

eBook:

Why You Should Never Accept a Part IX Debt Agreement

c2 favicon

Read our 5 star reviews

Visit ChapterTwo on Google to leave your own..

ChapterTwo
4.8
Based on 24 reviews
powered by Google
Chris Saracini
Chris Saracini
09:47 21 Sep 20
Chapter Two is totally legit. They could easily earn a lot more money acting as yet another predatory financial... service, but instead they actually help people - and they know their stuff.When I found these guys, I had a massive debt with a company whose 'hardship team' had no interest whatsoever in negotiating with me, but Chris Mushan and Peter Comino were able to get them off my back for two whole years before a palatable settlement arrangement was offered, and now I am debt free.Chapter Two's fees were also VERY reasonable in my experience. I highly recommend this company.read more
Victoria Campbell
Victoria Campbell
06:28 19 May 20
Hi my name is Victoria-I am writing this review with much gratitude and appreciation for the incredible work Chris... Mushan of Chapter Two has done in completely wiping my brother in law’s debt as he has been diagnosed with a brain tumour and is unable to work after his operation. Thankyou for your patience and caring attitude Chris as I know this wasn’t a simple job. Words cannot express how thankful us Campbell’s are Chris Mushan🙏the pressure it has taken off Colin and his family is enormous! Thanking you Chris Mushan and Chapter two. The girls on reception were always so caring and friendly too!!!🙏read more
Liz Ferguson
Liz Ferguson
02:42 16 May 20
If you are like me, I am always wary that great reviews are written by the company and not real customers. Let me... assure you I am real and so is my story.I am a 65-year-old female, I had built a business up over 22 years & out of the blue due to unexpected health issues couldn’t work to my capacity anymore. I had amassed over $122,000 of personal & business credit card debt to try & keep afloat. I always did the right thing & paid my credit card debts for many years approx. $4000 per month just for credit card payments no other bills. I had already asked for a loan against the equity in my home which would have solved the problem but due to my age the bank said no as other lenders. My business & income were declining, I was drowning in debt. All I could see on the horizon was me losing my business, home & having to go bankrupt.I was in such a dark place, depressed, alone .After weeks of searching the internet about Debt Solutions Companies I exhausted the list, I was now not only feeling desperate but angry that the industry spouts how they can help you but empty words without meaning or any care. I only felt that I was their meal ticket. It was all about money and what was in it for them, don’t get me wrong I understand a person must be paid for their services, only too happy to pay a reasonable fee for their expertise but felt the companies I had spoken to didn’t really care what happened to me in the end.On the day I was about to give up I saw an article on a company called ChapterTwo, it caught my interest, I could relate to what was written, it sounded sincere and that they did things differently. I thought just one more call, they probably won’t answer or ring back as a lot of other companies hadn’t. What a surprise, a lovely girl answered the phone with such a caring voice and ensured me Chris would call me back after his meeting.Well Chris rang me back as promised, all he said was, Liz tell me your story, and he listened, at the end of my story he told me he could help me, and would send me confirmation in writing (got the email within ½ hr as promised) and details of his fees and what process he would follow after getting more information from me. He arranged for all payments to be frozen whilst they negotiated on my behalf. I felt immediate relief that I was in someone’s hands that was going to help me to the best of their ability and that was all I was asking for.I live in Brisbane and ChapterTwo are in Sydney and I thought how am I going to manage this, well it was so easy. By phone calls and emails. I answered all their questions sent the form off and was told the team would review and come back with a few more questions. I would be updated every step of the way. Just like the first phone call they were totally of their word. For the first time I felt like I had a chance, I had decided to use my Super to pay my creditors. So, I had expected to pay out a minimum of $50,000 to save my home and business and be credit card free. What happened next floored me, Chris decided he wasn’t going to offer my super but asked for the debt to be waived totally due to my circumstances. I started this process on 31st January 2020 and on the 16th April 2020 the process was finalized and the total debt was waived.ChapterTwo (Chris) literally saved me, my home and I can never repay him for what he has done, I know it is a business and that is what he does but it is the way a business conducts themselves that is important especially in an industry that people are so desperate, vulnerable and are on the edge.Not everyone is going to be as lucky as I was, I understand that, but I can honestly say that if you need help this is the company to help you navigate thru a difficult journey. As far as I am concerned, they are the best. They know how to and who to negotiate with to get incredible results.I am indebted to Chris for life not for just helping me financially thru this but caring enough to take it a step further due to my circumstances and giving me a chance to move forward.read more
Daryoush Zand
Daryoush Zand
01:45 05 May 20
Sincere Thank you to Chris and Peter for all your efforts in reducing & consolidating our debts, it significantly... helped us and indeed saved our business. Best regards, Daryoush & Kateread more
Jenny Van Cleef
Jenny Van Cleef
22:17 09 Jun 18
In two words..."Life Changing" and "THANK YOU".We cannot thank Peter and John from Chapter Two enough, from start to... finish they were professional with superior customer service. Our circumstances had us struggling and in a mess, Peter provided amazing support to us from start to finish and managed the overall arrangements, giving great advice and guidance.Finding someone you can trust and rely on in the finance area can be a challenge, bit like finding a good Doctor, Dentist and Hairdresser they are people you trust and will stick with for life. Chapter Two you certainly fit in this category, you have us for life now, for any future financial steps we will certainly be using and recommending your services without hesitation.We sincerely want to thank you for giving us the opportunity to restart our story at "Chapter Two".read more
See All Reviews
c2 favicon

Start your debt-free life today!

Get in touch for your free consultation.