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Do you have clients with unsecured debts?

Do you have deals that aren’t servicing? Refer your ‘dead’ deals to ChapterTwo to see if we can bring them back to life..

Become a referral partner:

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Do you have clients with unsecured debts?

Do you have deals that aren’t servicing? Refer your ‘dead’ deals to ChapterTwo to see if we can bring them back to life..

Become a referral partner:

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Do you want to help your clients?

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Referrer Benefits

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

Help Your Clients

We settle your client’s unsecured debts at a significantly reduced amount – by offering an upfront payment to their creditors by refinancing your existing mortgage.
Turn nothing, into something whilst retaining your client and assisting them financially.

Save Your Dead Deals

Turn nothing, into something whilst retaining your client and assisting them financially.
Earn 50% of the upfront commission as a referral fee if we write the loan. Alternatively earn 15% of the success fee from the settlement if you write the loan.

Earn Thousands in Commission

Earn 50% of the upfront commission as a referral fee if we write the loan. Alternatively earn 15% of the success fee from the settlement if you write the loan.
We cater for all types and sizes of debt. We learn about your client’s financial situation, freeze their interest and repayments, then formulate a plan to eliminate their debt.

Reduce client's debts by up to 80%

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

We protect your client's credit rating

Because the debt is settled on mutually beneficial terms, we ensure there are no defaults on your client’s file.
Debt Agreements, or Part IX Agreements, are legally binding contracts which are an act of bankruptcy. Your client 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. Your client should never accept bankruptcy as an option.
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Referrer Benefits

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

Help Your Clients

We settle your client’s unsecured debts at a significantly reduced amount – by offering an upfront payment to their creditors by refinancing your existing mortgage.
Turn nothing, into something whilst retaining your client and assisting them financially.

Save Your Dead Deals

Turn nothing, into something whilst retaining your client and assisting them financially.
Earn 50% of the upfront commission as a referral fee if we write the loan. Alternatively earn 15% of the success fee from the settlement if you write the loan.

Earn Thousands in Commission

Earn 50% of the upfront commission as a referral fee if we write the loan. Alternatively earn 15% of the success fee from the settlement if you write the loan.
We cater for all types and sizes of debt. We learn about your client’s financial situation, freeze their interest and repayments, then formulate a plan to eliminate their debt.

Reduce client's debts by up to 80%

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

We protect your client's credit rating

Because the debt is settled on mutually beneficial terms, we ensure there are no defaults on your client’s file.
Debt Agreements, or Part IX Agreements, are legally binding contracts which are an act of bankruptcy. Your client 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. Your client should never accept bankruptcy as an option.
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What is a Debt Negotiation Refinance?

A debt negotiation refinance by definition is when unsecured debts are settled at a reduced amount with an upfront payment through the refinance of our client’s property. For example:

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What is a Debt Negotiation Refinance?

A debt negotiation refinance by definition is when unsecured debts are settled at a reduced amount with an upfront payment through the refinance of our client’s property. For example:

Example

Client has a $600,000 property

Mortgage is $450,000

Current debts: $80,000

If the broker was to try to refinance all of the unsecured debts the new LVR would be 88.33% which most lenders would not accept due to high levels of unsecured debts.

Solution

Chapter Two works with specialist lenders to obtain a pre-approval for the refinance on the basis the unsecured debts are settled, and the new loan amount is at 80% LVR.

Chapter Two will negotiate with the client’s creditors to achieve these settlement figures through our highly skilled negotiation team.

On $80,000 of debt we will need to settle at 37.5c in the dollar which leaves $30,000 to be rolled into the new loan

 

The new loan

Client has a $600,000 property | Mortgage is $480,000 | Current debts: $0

Example

Client has a $600,000 property

Mortgage is $450,000

Current debts: $80,000

If the broker was to try to refinance all of the unsecured debts the new LVR would be 88.33% which most lenders would not accept due to high levels of unsecured debts.

Solution

Chapter Two works with specialist lenders to obtain a pre-approval for the refinance on the basis the unsecured debts are settled, and the new loan amount is at 80% LVR.

Chapter Two will negotiate with the client’s creditors to achieve these settlement figures through our highly skilled negotiation team.

On $80,000 of debt we will need to settle at 37.5c in the dollar which leaves $30,000 to be rolled into the new loan

 

The new loan

Client has a $600,000 property | Mortgage is $480,000 | Current debts: $0

Recent Case Studies

Case Study

Name – Chris & Claudia
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.

Luckily, 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-600x663

How we helped

We negotiated a settlement with creditors of 43c in the dollar
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
We have given Claudia and Chris a new lease on life. They were able to keep the family home and avoid bankruptcy

Recent Case Studies

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Case Study

Name – Chris & Claudia
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.

Luckily, 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-600x663

How we helped

We negotiated a settlement with creditors of 43c in the dollar
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
We have given Claudia and Chris a new lease on life. They were able to keep the family home and avoid bankruptcy

The Negotiation Process

listen and learn
number-one (2)

We listen and learn

The first step towards a debt-free outcome

We learn about the financial stresses your client is facing
We review their current financial situation
We formulate a plan to negotiate their debts
We apply for pre-approval on a mortgage refinance
rs iStock-1201204284
number-2 (1)

Create room to breathe

We stop the calls and deal with the banks

We then start negotiations with your client’s creditors
We act as their advocate at all times
We freeze the interest on their debts to give them much needed breathing space
reduce debts
number-3 (1)

We settle their debt

Finally, we follow your plan to help get your client’s out of debt

Our dedicated negotiation team consults with your client’s creditors to obtain a debt reduction tailored to their financial situation
Debt is settled on mutually beneficial terms to preserve your client’s credit rating
Debts are settled by paying them out in full by using the equity in your client’s home

The Negotiation Process

listen and learn
number-one (2)

We listen and learn

The first step towards a debt-free outcome

We learn about the financial stresses your client is facing
We review their current financial situation
We formulate a plan to negotiate their debts
We apply for pre-approval on a mortgage refinance
room to breath
number-2 (1)

Create room to breathe

We stop the calls and deal with the banks

We then start negotiations with your client’s creditors
We act as their advocate at all times
We freeze the interest on their debts to give them much needed breathing space
reduce debts
number-3 (1)

We settle their debt

Finally, we follow your plan to help get your client’s out of debt

Our dedicated negotiation team consults with your client’s creditors to obtain a debt reduction tailored to their financial situation
Debt is settled on mutually beneficial terms to preserve your client’s credit rating
Debts are settled by paying them out in full by using the equity in your client’s home