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Debt Solutions

Credit card debt out of your control? Problems with personal loans? Too scared to answer the phone? We can reduce all types and sizes of debt without damaging your credit rating.

Informal Debt Negotiation

Credit card debt out of your control? Problems with personal loans? Too scared to answer the phone? We can reduce all types and sizes of debt without damaging your credit rating.
Mush to provide content. debt through a simple mortgage refinance. Instead of paying off numerous debts to numerous lenders, you will have just one monthly repayment to make.

Full & Final Settlements

Mush to provide content. debt through a simple mortgage refinance. Instead of paying off numerous debts to numerous lenders, you will have just one monthly repayment to make.
You can consolidate your debt through a simple mortgage refinance. Instead of paying off numerous debts to numerous lenders, you will have just one monthly repayment to make.

Long Term Arrangement

You can consolidate your debt through a simple mortgage refinance. Instead of paying off numerous debts to numerous lenders, you will have just one monthly repayment to make.

Our Difference

It’s what sets us apart from the rest

Our Difference

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
Because the debt is settled on mutually beneficial terms, we ensure there's no defaults and no black marks

We protect your credit rating

Because the debt is settled on mutually beneficial terms, we ensure there’s no defaults and no black marks
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
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
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
  • - 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!”

Our Difference

Our Difference

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's no defaults and no black marks

We protect your credit rating

Because the debt is settled on mutually beneficial terms, we ensure there’s no defaults and no black marks
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

Case Study 1 – The Artist


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

Case Study 2 – The Pregnant Pause


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

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

  • - 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!”

Frequently Asked Questions

 

Who can help me get out of debt?

ChapterTwo is here to help. We are there with you every step of the way; always offering support, advice and relieving you of stress as we bring you out of your debt cycle. We will look to freeze your interest, we will give you more time to pay your debt, and we will negotiate with your creditors for a reduced final settlement.

ChapterTwo can negotiate an informal arrangement for most unsecured debts based on a pro-rata distribution of your available income, after any priority debts or essential household spending is taken into account. If you can identify any of these outstanding debts, you should contact ChapterTwo immediately:

  • Credit cards
  • Unsecured or personal loans
  • Store cards
  • Debt owed after repossession
  • Disconnected utility bills
  • Phone bills
  • Accounts in collections.

 

What is an informal agreement?

An informal arrangement is an agreement between you and your creditors. These agreements between you and your creditor are not bound by legislation or formalised by contract. ChapterTwo will work as an intermediary between you and your creditors to look to freeze interest on your accounts and in turn negotiate a settlement on your behalf. It is beneficial to have a professional when dealing complicated negotiations and ChapterTwo have experienced staff who deal with creditors daily.

 

An informal agreement is an arrangement that is entirely between you and your creditors. With the help of ChapterTwo’s negotiation process these arrangements are made mutually between the customer and the creditor. This enables ChapterTwo to negotiate settlements that do not effect your credit rating and can reduce your debts from anywhere between 40%-80%.

 

How can an informal arrangement help me?

An informal arrangement can help relieve debt in a number of circumstances. An informal arrangement can help you by freezing the interest on your accounts with your creditors and by negotiating a reduced full and final settlement without impacting your credit file.

This option is particularly useful if you are experiencing any changes to your current financial situation. For example if you:

  • Have recently become unemployed
  • Unable to work due to injury or illness
  • Received a decrease in salary etc.

 

Our clients who have experienced a change in circumstances like these have found maintaining repayments of their debts can become very difficult. ChapterTwo would recommend an informal arrangement if your financial difficulties are only short-term, as we can set up with a short turnaround, and the agreement does not get recorded on the debtors credit file.

 

How does an informal arrangement work?

ChapterTwo implements informal arrangements in a unique way, helping the client from initial engagements. Our professional team contact our clients creditors and look to freeze the interest currently accruing on their accounts which gives the client much needed breathing space. ChapterTwo in partnership with Critique Private clients develop a cashflow and budgeting plan that is implemented during this stay on their accounts.

 

Once a solution has been tailored to the individual, ChapterTwo will then informally negotiate a settlement on the client’s account saving them up to 80% of the original debt. As informal arrangements are not bound by legislation, ChapterTwo’s client’s credit rating is kept in tact during this process.

 

Debt can be so difficult to manage as interest is continually amassing on your debt, digging you into a deeper hole if you are unable to meet your current payments. An informal arrangement makes it possible to offer your creditors a fair share of what you can afford to pay, and in many cases, any interest charges you may have will be temporarily frozen. This enables you to focus on repaying the principle debt.

 

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

Rest assured, this form is not a commitment or contract, it just allows us to contact you for a quick chat as soon as we can

 

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