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The ChapterTwo Proposal

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Recent Case Studies

The Pregnant Pause

Debt $90,000 in Credit Card & Personal Loans
Solution – Informal Debt Agreement

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 5 years
pregnant case study mob-1

The Pregnant Pause

Debt $90,000 in Credit Card & Personal Loans
Solution – Informal Debt Agreement

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

Refinance Your House With Defaults

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
dnr mob

Refinance Your House With Defaults

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