Credit Card Debt Advice

Free yourself from debt with ChapterTwo. Our experienced team can get you back on track today.

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Credit Card Debt Help

Free yourself from debt with ChapterTwo. Our experienced team can get you back on track today.

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CONTACT Our experienced team TO get you
back on track today

CONTACT Our experienced team TO get you back on track today

With our help you can become debt free!

How do we do it?

YOU CAN BECOME DEBT FREE

HOW DO WE DO IT?

Debt Agreements, or Part IX Agreements, are legally binding contracts which are an act of bankruptcy. You should never accept bankruptcy as an option.

No Debt Agreements

Debt Agreements, or Part IX Agreements, are legally binding contracts which are an act of bankruptcy. You should never accept bankruptcy as an option.
We stop the harassing phone calls from banks and debt collectors

Stop the calls

We stop the harassing phone calls from banks and debt collectors
We cater for all types and sizes of debt. We learn about your financial situation, freeze your interest and repayments, then formulate a plan to eliminate your debt

Freeze interest & repayments

We cater for all types and sizes of debt. We learn about your financial situation, freeze your interest and repayments, then formulate a plan to eliminate your debt
We cater for all types and sizes of debt. We learn about your financial situation, freeze your interest and repayments, then formulate a plan to eliminate your debt

Reduce debts by up to 80%

We cater for all types and sizes of debt. We learn about your financial situation, freeze your interest and repayments, then formulate a plan to eliminate your debt
Because the debt is settled on mutually beneficial terms, we ensure there are no defaults on your file.

We protect your credit rating

Because the debt is settled on mutually beneficial terms, we ensure there are no defaults on your file.
Our team is passionate about, and dedicated to solving your debt problem. We appreciate the mental and emotional stress that this can cause and are here to help you throughout the entire process

Full Support

Our team is passionate about, and dedicated to solving your debt problem. We appreciate the mental and emotional stress that this can cause and are here to help you throughout the entire process

Recent Case Studies

Recent Case Studies

THE ARTIST Case Study 1

pexels-photo-1203998

 

Debt – $28,000 in credit cards

Solution – Full and final settlement


Overview

Our 60-year-old client was experiencing financial hardship, due to significant decline in commissions for his art work. His financial situation had been deteriorating for a few years, however it wasn’t obvious to our client, as the rollercoaster ride he had been on had become a normal part of his life.

 

So he ploughed on as usual making artworks and using credit cards to cover his expenses, hoping things would get better, because they had done so in the past. Unfortunately, the latter year turned out to be a very tough one. Virtually no rewards for all his efforts – just more expenses.

 

Furthermore, there were no suitable employment prospects in the region our client lived in. Feeling despondent and hopeless at not being able to meet is living needs, plus meet his debt obligations, our client turned to ChapterTwo for help.

 

How we helped

Negotiated with his creditors for a 6 months freeze on interest and repayments

Negotiated with his creditors for a 6 months freeze on interest and repayments

We provided breathing space and peace of mind for our client, allowing him to focus on his future goals

We provided breathing space and peace of mind for our client, allowing him to focus on his future goals

We were able to negotiate debt reductions with his creditors

We were able to negotiate debt reductions with his creditors

Full and final settlement agreement was reached at an average of 45cents in the dollar

Full and final settlement agreement was reached at an average of 45cents in the dollar

This meant a 45% lump sum payment (approx $12,500) was required to close all his debts

This meant a 45% lump sum payment (approx $12,500) was required to close all his debts

THE PREGNANT PAUSE Case Study 2

pexels-photo-266094

 

Debt – $90,000 in Credit Card & Personal Loans

Solution – Long Term Arrangement


Overview

Our client started experiencing financial hardship when his wife fell pregnant with their first child and faced complications during the whole pregnancy and after the birth of their child. This warranted ongoing medical attention and she wasn’t able to work.

 

Our client wanting to do whatever it takes applied for credit cards and personal loans to get by and fell into the trap of using his credit facilities to cover medical costs and the shortfall in income due to his wife not working.

 

Soon his financial situation spiralled out of control and our client was unable not meet his debt repayment obligations. This significantly impacted our clients mental state, as being the sole provider for the family this placed significant amount of stress on him. Feeling trapped and stressed with the constant bombardment of phone calls from debt collections departments, our client contacted ChapterTwo for help.

 

How we helped

We negotiated with the six creditors on his behalf and reached a Long Term Arrangement that our client could afford

We negotiated with the six creditors on his behalf and reached a Long Term Arrangement that our client could afford

The interest was waived on most of his debts and significantly reduced on the rest

The interest was waived on most of his debts and significantly reduced on the rest

Our client now pays the principle off over the next 7 years

Our client now pays the principle off over the next 7 years

Why You Should Never Accept a Part 9 Debt Agreement

debt

The Process

The Process

The first step towards a debt-free life 

We listen and learn

The first step towards a debt-free life 
We learn about the stresses you face
We learn about the stresses you face
We review your current financial situation
We review your current financial situation
We formulate a plan to eliminate your debts
We formulate a plan to eliminate your debts
We can stop the calls and deal with the banks

Create room to breathe

We can stop the calls and deal with the banks
Start negotiations with your creditors
Start negotiations with your creditors
Act as your advocate at all times
Act as your advocate at all times
Look to freeze the interest on your debts to give you that much needed breathing space
Look to freeze the interest on your debts to give you that much needed breathing space
Next, we follow your plan to help you get out of debt

We settle your debt

Next, we follow your plan to help you get out of debt
Our dedicated negotiation team consults with your creditors to obtain a debt reduction tailored to your financial situation
Our dedicated negotiation team consults with your creditors to obtain a debt reduction tailored to your financial situation
This full and final settlement is a resolution offered to your creditors to eliminate your debts
This full and final settlement is a resolution offered to your creditors to eliminate your debts
Debt is settled on mutually beneficial terms to preserve your credit rating
Debt is settled on mutually beneficial terms to preserve your credit rating
If you are unable to raise the funds required to settle your debts, we can place you into a long-term payment arrangement

Long-term payment arrangement

If you are unable to raise the funds required to settle your debts, we can place you into a long-term payment arrangement
Tailored to your budget
Tailored to your budget
The debt is paid over 5-7 years with the interest frozen
The debt is paid over 5-7 years with the interest frozen
We can do a mix of both full and final settlement and a long-term payment arrangement
We can do a mix of both full and final settlement and a long-term payment arrangement

We help our clients, every step of the way

We help our clients, every step of the way

It’s not often you speak to a company who doesn’t try to push you in to signing up with them for their own benefit and has your best interested at heart. I was very surprised and gretaful when I spoke with Chapter two and do believe they will help you in the best way right for you. I felt very relieved after our phone conversation. Highly recommend.
Thanks to the guys at ChapterTwo who got me out of a tricky credit card debt situation. Highly recommend
Andrew Matheson
Andrew Matheson
04:06 29 May 18
It’s all over, finally!!!Yep, we were trying to refinance our home and consolidate some debts for over six months,it was a tricky, we got plenty of advice and promises but none actually delivered until we contacted chapter two. Our new loan have just settled and we couldn’t be more happier and relieved. Not only they got the job done but also within a short period of time. We can’t thank John ingate and the team at chapter two enough, your professionalism and guidance is what got through, for that we are so very grateful. So thank you again.
Lina Dimitriadis
Lina Dimitriadis
03:25 06 Nov 17
John from ChapterTwo was professional, attentive and efficient. He took the time to understand our financial situation and recommend the best product to suit our needs. As a result, we saved thousands of dollars in interest repayments. I would recommend John to any of our family and friends. Excellent Service, Attentive and Attention to Detail!
Edward Hattersley
Edward Hattersley
23:16 10 Jul 17
We would like to express our appreciation to Chapter Two and specifically to John Ingate and Peter Comino who have done what others could not do.Companies that we approached prior all advised us to sell our house and start over, but John and Peter were up to the challenge. They refinanced the house and consolidated all our debt, saving us approx. $140,000 on the final payout.We now have a single mortgage payment and money saved every month.Our lives are back on track thanks to the efforts of Chapter Two. THANK YOU!
Kasia & Graeme
Kasia & Graeme
04:45 20 Sep 17
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".
Jenny Van Cleef
Jenny Van Cleef
22:17 09 Jun 18
My wife and i would like to take this opportunity to say a very big thank you to Chapter Two, and more specifically, John Ingate. Recently, John was able to assist us in consolidating all our debts and refinancing our home loan. John was on all levels, professional , understanding and caring of our situation. His obvious commitment to his services in it's self speaks volumes. I truly believe we were treated like family. Thank you John for being able to achieve for us what no one else could!.
Dean
Dean
03:23 03 Jul 17
THANK YOU!! ChapterTwo..especially to Chris & Peter who did a excellent job with consolidating all my debts and refinancing my home loan. They went above & beyond to help me refinance & with the situation I was in, they had their work cut out for them! But they never gave up. They also kept me informed the whole way through the loan process on any updates, great communication. So I am one very happy debt free customer & I would definitely recommend ChapterTwo to anyone who’s looking for financial relief..5 ⭐️⭐️⭐️⭐️⭐️
Jo-Anne S
Jo-Anne S
02:58 08 Feb 19
Really professional and helpful. Highly recommended
Mohammed Asef Ali
Mohammed Asef Ali
03:46 07 May 19
THANK YOU!! ChapterTwo..especially to Chris & Peter who did a excellent job with consolidating all my debts and refinancing my home loan. They went above & beyond to help me refinance & with the situation I was in, they had their work cut out for them! But they never gave up. They also kept me informed the whole way through the loan process on any updates, great communication. So I am one very happy debt free customer & I would definitely recommend ChapterTwo to anyone who’s looking for financial relief..5 ⭐️⭐️⭐️⭐️⭐️
Jo-Anne S
Jo-Anne S
02:58 08 Feb 19
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 & Kate
Daryoush Zand
Daryoush Zand
01:45 05 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.
Liz Ferguson
Liz Ferguson
02:42 16 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!!!🙏
Victoria Campbell
Victoria Campbell
06:28 19 May 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.
Chris Saracini
Chris Saracini
09:47 21 Sep 20

If you’re struggling with your debts, reach out to someone you can trust with your financial future

If you’re struggling with your debts, reach out to someone you can trust with your financial future

Request Info

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CALL 1300 344 433 <P>Speak to our experienced consultants

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Frequently Asked Questions

  • Financial hardship is when you are unable to meet your contractual debt obligations because of unexpected events that impact your cash flow, such as unemployment or having hours reduced, unexpected expenses, illness, family tragedy or a natural disaster.