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Reduce your debts by up to 80%

No debt agreements

No black marks

Freeze your interest and repayments

Call our helpline on 1300 344 433

Reduce your debts by up to 80%

No debt agreements

No black marks

Freeze your interest and repayments

Call our helpline on 1300 344 433

Our experienced team can help get you back on track today

Our experienced team can help get you back on track today

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We will freeze your interest
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.

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We can protect your credit rating
We ensure there’s no defaults and no black marks, whilst dealing with the bank on your behalf. We can settle your debt with creditors. Often saving you up to 80%.

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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 help our clients, every step of the way

We help our clients, every step of the way

The Process

The Process

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We listen and learn

The first step towards a debt-free life.

– We learn about the stresses you face

– We review your current financial situation, and then

– Formulate a plan to eliminate your debts.

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Create room to breathe

We can stop the calls and deal with the banks.

– Start negotiations with your creditors

– Look to freeze the interest on your debts to give you that much needed breathing space

– Act as your advocate at all times.

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We settle your debt

Next, we follow your plan to help you get out of debt.

ChapterTwo have a dedicated negotiation team that consult with your creditors to obtain a debt reduction tailored to your financial situation. This is known as a full and final settlement and is a resolution offered to your creditors to eliminate your debts. Our debt settlement process negotiates with your creditors to settle your debt on mutually beneficial terms and preserves your credit rating.

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We build your secure future

Once our clients are debt free, we look towards their future.

ChapterTwo aims to set our clients up with life long support and advice on how to live your life without the constraints of debt. Our partners, Critique Private Clients, help you plan a prosperous financial future and begin the next chapter of your life.

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

This meant a meaning 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

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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