We saved Chris & Claudia $132,485 through our Debt Negotiation Refinance service

We saved Chris & Claudia $132,485
through our Debt Negotiation
Refinance service

What is a Debt Negotiation Refinance?

We settle your unsecured debts at a significantly reduced
amount – by offering an upfront payment to your creditors by refinancing your existing mortgage.

What is a Debt Negotiation Refinance?

We settle your unsecured debts at a significantly reduced
amount – by offering an upfront payment to your creditors by refinancing your existing mortgage

Firstly we seek pre-approval of your refinance from one of our 30 lenders

Pre-Approval

Firstly we seek pre-approval of your refinance from one of our 30 lenders
Then we negotiate reduced settlements with your credit providers

Negotiation

Then we negotiate reduced settlements with your credit providers
Finally we settle your debts by refinancing your mortgage

Settle & Refinance

Finally we settle your debts by refinancing your mortgage

Chris & Claudia’s Scenario


Debt – 
$235,154.09 

Solution – Debt Negotiation Refinance


Overview

Claudia and her partner Chris engaged us to assist them with their financial situation because their current debt levels were crippling them and they were both considering bankruptcy. Thankfully, we had a better solution whereby we could solve their debt troubles without filing for bankruptcy.

The total monthly outgoings of all this high interest debt coupled with their mortgage repayments was $6,492. This wasn’t sustainable and a Debt Negotiation Refinance was the only way to financial freedom.

ChapterTwo didn’t need to enter their debts into hardship because up until that point they had been managing their repayments. We went straight to settlement and the figures are outlined below:

Liability

Balance

 Settlement

Amex

$11,081.09

 $3,250.00

Citibank

$63,304.09

 $23,000.00

ANZ

$21,900.00

 $5,400.00

Westpac

$13,548.52

 $3,350.00

Coles

$8,085.40

 $7,000.00

NAB

$6,140.00

 $1,843.00

St. George

$23,710.10

 $5,875.00

CBA

$47,890.61

 $23,945.00

HSBC

$6,513.89

 $5,210.40

Amex

$12,980.39

 $3,795.00

ATO

$20,000.00

 $20,000.00

Total Liability:

$235,154.09

$102,668.40


How we helped

 

We negotiated a settlement with creditors of 43c in the dollar

We negotiated a settlement with creditors of 43c in the dollar

This equated to a saving of $132,485

This equated to a saving of $132,485

Claudia and Chris’s outgoings were $6,492 p/m. We have reduced that amount to just $2,834 p/m

Claudia and Chris’s outgoings were $6,492 p/m. We have reduced that amount to just $2,834 p/m

We have given Claudia and Chris a new lease on life. They were able to keep the family home and avoid bankruptcy

We have given Claudia and Chris a new lease on life. They were able to keep the family home and avoid bankruptcy

Chris & Claudia’s Scenario


Debt – 
$235,154.09 

Solution – Debt Negotiation Refinance


Overview

Claudia and her partner Chris engaged us to assist them with their financial situation because their current debt levels were crippling them and they were both considering bankruptcy. Thankfully, we had a better solution whereby we could solve their debt troubles without filing for bankruptcy.

The total monthly outgoings of all this high interest debt coupled with their mortgage repayments was $6,492. This wasn’t sustainable and a Debt Negotiation Refinance was the only way to financial freedom.

ChapterTwo didn’t need to enter their debts into hardship because up until that point they had been managing their repayments. We went straight to settlement and the figures are outlined below:

Molbile

What we achieved

We negotiated a settlement with creditors of 43c in the dollar

We negotiated a settlement with creditors of 43c in the dollar

This equated to a saving of $132,485

This equated to a saving of $132,485

Claudia and Chris’s outgoings were $6,492 p/m. We have reduced that amount to just $2,834 p/m

Claudia and Chris’s outgoings were $6,492 p/m. We have reduced that amount to just $2,834 p/m

We have given Claudia and Chris a new lease on life. They were able to keep the family home and avoid bankruptcy.

We have given Claudia and Chris a new lease on life. They were able to keep the family home and avoid bankruptcy.

Our Difference

Our Difference

No Debt Agreements

No Debt Agreements

No Debt Agreements

No Debt Agreements

Stop the calls

Stop the calls

Stop the calls

Stop the calls

We can freeze interest

We can freeze interest & repayments

We can freeze interest

We can freeze interest & repayments

Reduce debts by up to 80%

Reduce debts by up to 80%

Reduce debts by up to 80%

Reduce debts by up to 80%

We protect your credit rating

We protect your credit rating

We protect your credit rating

We protect your credit rating

Full Support

Full Support

Full Support

Full Support

We help our clients, every step of the way

We help our clients, every step of the way

  • - Daniel Bradshaw

    “With the burden of debt getting heavier by the day ChapterTwo was instrumental in relieving a huge amount of debt stress almost instantaneously. Peter Comino offered very reassuring advice that allowed me debt relief with several financial institutions. My good credit rating has remained unaffected and going forward I will be in a better position in regard to the managing of my debt.”

  • - Anabel Fidelino

    “Excellent service with great results!!! Contacting ChapterTwo is the best decision we’ve made when it comes to putting our finances in order. John Ingate and his team helped us with our refinancing a few months ago. Over the years, my husband and I accumulated considerable amounts of credit card debts and personal loans – ChapterTwo helped us out by consolidating all of our debts into one easy home loan repayment. They negotiated on our behalf with the banks that would give us the best option. They are very professional and transparent in all their dealings and keep us informed every step of the way. Now, we can breathe easy. It’s like being given a fresh start, a clean slate-a new chapter! We highly recommend them. More power to you guys, we can’t thank you enough!”

  • - Richard Murrell

    “Excellent professional help. Thanks to you all at ChapterTwo. Now I’m on top of my finances again after having two credit cards and paying the banks a lot of money for nothing. Not to mention the mortgage and bills as well. It can become a struggle. Thanks again to John for all your help.”

  • - Tanya

    “My husband and I had been searching for financial assistance for a long time that was not going to jeopardise our borrowing opportunities in the future. I stumbled across ChapterTwo online, and the services that they offered really fit what we were looking for. 

    After explaining our situation and receiving a plan from Peter Comino at ChapterTwo, we have been able to pass on some of our financial stress to ChapterTwo who have been able to negotiate a better path forward with our lenders and create an easier lifestyle for our family. Their services have been a huge help.”

  • - Tony

    “I thank Peter and his team at ChapterTwo for their diligence and hard work in achieving a most satisfactory solution to my financial concerns. After thinking I could do it alone and trying for over two years the team at ChapterTwo were able to achieve an outcome that has allowed me financial security. All done in under 12 months.”

  • - Edward Hattersley

    “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!”

  • - Daniel Hayes

    “ChapterTwo & more specifically, Peter Comino has done so much for me over the last year. He’s assisted me with all my concerns with various debts. I had a significant debt hanging over my head from four banks. I was so worried how I was going to support my young family and get through each month. Peter took my personal issues off my hands, negotiated on my behalf and managed to give me some breathing space, by freezing the repayments for the last 6 months and longer on some others. I was able to prepare for my babies arrival and move home. I now have three out of the four debts being paid off interest free through his successful negotiations. Without the help & personal care from Peter & ChapterTwo I would still be so stressed how I could pay all the bills each month. Do yourself a favour & contact ChapterTwo if you require financial relief!”

  • - Ripine Kolio

    “John Ingate of ChapterTwo’s service was professional, outstanding, reliable and most importantly very friendly. The communication via email was consistent and it seemed as if we knew each other for years. The best part was, I did not have to run around as I did previously with other finance, he did most of the work and all I did, was to sign and emailed it. I am extremely happy that I found John Ingate from ChapterTwo, who finally helps me with my financial crisis. I definitely recommend John Ingate’s service and ChapterTwo to anybody who are struggling with their mortgages. Thanks so much.”

  • - Claudia Paddison

    “The Team at Chapter Two are phenomenal and I am highly recommending them to everyone that needs any financial assistance. Chris and I have just used the services of ChapterTwo for a debt consolidation mortgage re finance to payout & close all our credit card & tax debt. A previous company looked at our situation and told me I would have to look at bankruptcy as a way out which left me emotionally devastated so it was “life changing” when I came across ChapterTwo. Special mention to John Ingate, now my mortgage broker for life, and Peter Comino & his team, outstanding negotiators. The client care is like no other through the process, replying to questions straight away & always available making a very stressful situation proceed with ease. Thank you guys, words cannot describe how grateful we are, we are back on track financially as we begin a new chapter of our lives.”

  • - John Burden

    Chapter Two & more specifically, Chris Mushan could not have done more for me in the last two years. He’s assisted me like I was family. I had a significant debt hanging over my head from two banks. I was literally sinking & worried how I was going to support my young family. ChapterTwo took my personal issues off my hands, negotiated on my behalf & essentially created a stress free life for the last 18 months. I was able to knuckle down & save to a plan rather than plan to save. I was able to pay off the significant debt within 18 months which otherwise would have taken me close to a decade. There is no possible way I would now be debt free without the help & personal care from Chris and his team at ChapterTwo. These guys literally saved me. Do yourself a favour & contact ChapterTwo if you require financial relief.

  • - Dean

    “My wife and I would like to take this opportunity to say a very big thank you to ChapterTwo, 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!”

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

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