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Debt Negotiators

We are expert debt negotiators. Free yourself from credit card debt with ChapterTwo. Our experienced team can get you back on track 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.

Contact Us

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Chapter_Two_Master_Logo_No tagline

Debt Negotiators

We are expert debt negotiators. Free yourself from credit card debt with ChapterTwo. Our experienced team can get you back on track 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. 

Contact Us

Please select
Hidden
Hidden
This field is for validation purposes and should be left unchanged.

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

Debt wiped

6k+

Australians helped

30m+

Interest saved

6k+

Saved from bankruptcy

The ChapterTwo Process

listen and learn
number-one (2)

We freeze your interest and work with your creditors
to place you into one of the ‘bankruptcy free’ plans below:

Long Term Arrangement / Informal Agreement
Full & Final Settlement
Refinance your property (if you own property) and consolidate your debts
room to breath
number-2 (1)

You make one regular payment

Using our app, you make a single payment to ChapterTwo
We disburse the payments to all of your creditors for you
You will have access to the running balances of all of your debts on the app
reduce debts
number-3 (1)

Transparency like never before

View your repayment history
View your debt balances
View what you have saved through the app!
LTA_
number-four (1)

Utilise our Knowledge Centre

Once your payment plan is in place, we offer you further assistance to manage your debt free life
We assist with your future budgeting
We assist with your future property buying and more!

The ChapterTwo Process

listen and learn
number-one (2)

We freeze your interest and work with your creditors to place you into one of the ‘bankruptcy free’ plans below:

Long Term Arrangement / Informal Agreement
Full & Final Settlement
Refinance your property (if you own property) and consolidate your debts
room to breath
number-2 (1)

You make one regular payment

Using our app, you make a single payment to ChapterTwo
We disburse the payments to all of your creditors for you
You will have access to the running balances of all of your debts on the app
reduce debts
number-3 (1)

Transparency like never before

View your repayment history
View your debt balances
View what you have saved through the app!
LTA_
number-four (1)

Utilise our Knowledge Centre

Once your payment plan is in place, we offer you further assistance to manage your debt free life
We assist with your future budgeting
We assist with your future property buying and more!
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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. 

Contact Us

Please select
Hidden
Hidden
This field is for validation purposes and should be left unchanged.

c2 favicon

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.

Contact Us

Please select
Hidden
Hidden
This field is for validation purposes and should be left unchanged.

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Read our 5 star reviews

Visit ChapterTwo on Google to leave your own..

ChapterTwo
4.5
Based on 32 reviews
powered by Google
Dani McVeigh
Dani McVeigh
01:52 01 May 24
We looked around extensively to refinance our mortgage to a lower interest rate and to consolidated a few debts, and... came across Chapter 2. Chris was extremely helpful and was understanding of our circumstances. Thanks to Chris we were able to consolidate everything into one easy mortgage repayment with the added bonus of a much lower interest rate. Chris is an experienced professional who is friendly and understanding and made our refinancing experience very easy. I highly recommend Chapter 2.read more
Jordan Hare
Jordan Hare
04:31 30 Apr 24
had my mortgage refinanced and some debts consolidated, had a bunch of nightmares and dead ends with other companies... but Chapter Two got it sorted, I highly recommend Chris, Tracey and the team.read more
Nicole Allman
Nicole Allman
04:30 19 Apr 24
Have had a great experience with this company cannot recommend highly enough. Communication was top notch. Very... understanding of my situation and found a suitable solution.read more
Barb S NtPlayn
Barb S NtPlayn
00:44 22 Mar 24
Great service. Thomas was really helpful and explained everything. I felt supported and got all the help I needed at... the time. Highly recommendread more
Sophie Jennings
Sophie Jennings
06:19 23 Jan 24
I'm so glad I chose Chapter Two to help me with my ongoing debt issues.Thomas was so lovely to deal with and kept me... informed all the way. He negotiated with both the banks resulting in one writing off my debt and the other offering 0% interest for 2 years.His advice and expertise achieved results I never could have on my own.My mental health has improved and I'm looking forward to a brighter future.Thanks Thomas 👍🏼 😊read more
Darren Woodward
Darren Woodward
03:18 30 Nov 23
Chapter 2 are a very professional and experts in this field of financing and helping people get in better positions . ... They have changed my life and you should chat with them as they are a awesome teamread more
Fantasia Herbert
Fantasia Herbert
01:30 29 Nov 23
Phone manner is not the best . Could be better . You lost 1 customer today .
Christo O & Renee S
Christo O & Renee S
11:44 08 Aug 23
Over the last year Chris and Baljeet have been extremely helpful and very compassionate in understanding our situation... and needs. 
From the initial conversation we had confidence in Chapter Two to achieve a life changing result with a debt negotiation home refinance clearing all our debt. 
I could not recommend them more!Chris Mushan was very professional from start to finish, he was very knowledgeable in the processes of finances, banks and lending institutions and guided us through the whole process from start to finish.Chris and the team at Chapter Two have truely changed our world. Could not thank you enough for giving us our Chapter Two!read more
THE drone Man
THE drone Man
05:41 02 Jun 23
This guys are money scammers, they told us that we would have interest free after 6 months and reduced payment, so it... all started well they got 6 months of payments that we did not need to do but we had to pay them 118 doolars a week. Hobestly you can just contact your financial bank or loan and tell them you need hardship they will give you save u the 1q8 a week. After that they told us they can combine the loan and add a 17% interest, then things like zip they cant do. They will not tell this before because they want your money. I'm reporting this company financial complains autority and also APRA. Do not use them.read more
Samuel Fallon
Samuel Fallon
02:43 24 Nov 22
I was called on time but wasn't offered any solutions, just told that they can only help with certain debts and that my... debts wasn't enough even though my debts are well above 10 grand. I felt more judged.read more
Carro
Carro
22:43 01 Mar 21
Completely useless
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
Jo-Anne S
Jo-Anne S
02:58 08 Feb 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 ⭐️⭐️⭐️⭐️⭐️read 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
Ripine Kolio
Ripine Kolio
22:52 17 Jul 17
John Ingate of Chapter Two'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 find John Ingate from Chapter Two, who finally helps me with my financial crisis. I definitely recommend John Ingate's service and Chapter Two to anybody who are struggling with their mortgages. Thanks so much.read more
Dean
Dean
03:23 03 Jul 17
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!.read more
John Burden
John Burden
04:35 21 Jul 16
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.Chapter Two 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 Chapter Two.These guys literally saved me. Do yourself a favour & contact Chapter Two if you require financial relief.John.read more
Next Reviews
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Recent Case Studies

The Artist

Case Study 1

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
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
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

The Pregnant Pause

Case Study 2

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
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

Recent Case Studies

artist mob case study-1

The Artist

Case Study 1

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
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
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
pregnant case study mob-1

The Pregnant Pause

Case Study 2

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
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

eBook:

Why You Should Never Accept a
Part IX Debt Agreement

eBook:

Why You Should Never Accept a Part IX Debt Agreement

Frequently asked questions (FAQs)

  • 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.