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Debt Solution Finder


Find debt solutions for your situation

Answer a few questions about your finances to learn about options available to you.

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What are the main reasons for your current debt?

Pick up to 2.

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How many debt accounts do you have?

(e.g. vehicle loan, store account, home loan, credit card)

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Have you fallen behind on any of your debt repayments?

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Are you getting called and mailed by debt collectors?

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Are you scared of losing your car or home?

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How important is it to you to consolidate your accounts into one monthly payment?

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Did all your creditors run an affordability check on you before they gave you a loan?

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Did you sign an agreement for each of your loans?

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Were the terms of each loan explained to you in a language you understand?

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Your debt solutions

Debt Review

Also known as debt counselling, this consolidates your debt into one reduced monthly payment, protects your assets from your creditors, and stops collection calls.

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Likely to be a good fit

  • You may not yet meet the requirement of being "overindebted". Speak to our experts to see if you qualify.
  • Consolidates your debt into one reduced monthly payment. We negotiate lower interest rates on your behalf.
  • Stops calls and letters from debt collectors.
  • Protects assets like your car and home.
  • Our counsellors help you build better habits, to fix the underlying problems causing your debt.

Consolidation Loan

This helps you restructure your debts into one monthly payment. If you get a good interest rate, this will lower what you pay. However, a consolidation loan doesn't protect your assets.

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Likely to be a good fit

  • Consolidates your debt into one monthly payment.
  • If you get a lower interest rate, it may reduce your monthly payment, but you'll need to negotiate this.
  • Doesn't protect your assets like your car or home.
  • Keep in mind it doesn't protect your assets like your car or home.
  • It sounds like you need to change your financial habits. Getting another loan may not be the answer.

Reckless Lending Investigation

If your creditor didn't properly check whether you could afford their loan or didn't explain the terms of the agreement, you may have legal recourse.

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Likely to be a good fit

  • Your creditors ran affordability checks on you, so you can't use this as grounds for a claim.
  • Your creditors failed to run an affordability check, so you may have grounds for a claim. We'll need to investigate this further to confirm.
  • You're not sure whether your creditors ran an affordability check. If they didn't, so you may have grounds for a claim. We'll need to investigate this further to confirm.
  • The terms of each loan were explained to you, so you're unlikely to have a claim in this regard.
  • Your creditors failed to explain the terms of your loans, so you may have grounds for a claim. We'll need to investigate this further to confirm.
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