Managing debt can feel overwhelming, but you’re not alone anymore.
Australian Lending Centre have over 30 years of financial expertise. With our support, you can start to take control, reduce stress and feel confident.
Debt Management is a lifechanging opportunity to reduce and simplify your debts. Whether you have credit cards, personal loans, or other commitments, our solutions cater to your unique circumstances.
Your journey to financial freedom is our priority.
Apply within 5 minutes by clicking “Start Your Application” below and completing the online application form. It’s fast & simple.
We provide a wide range of financial solutions, including Debt Management and Debt Consolidation.
We require minimal documentation, making the whole process super speedy. If you qualify, you can expect same-day support!
It is a big relief to have spoken to someone that was very helpful in the situation that I am in and my goals. Glad I reached out and got the assistance I needed. Highly recommend anyone feeling overwhelmed with debt speak with Pat and his team you will be heading in the right direction. It was a great experience. But I was hesitant at the beginning but so glad I reached out.
Pat was Super helpful in understanding of my goals moving forward and helping me see how achievable it can be to reach them. Very easy person to talk too and not scared to have have laugh and joke through the process which made me feel really comfortable. Recommend dealing with Pat. Shout out to Pat!!!!
I spoke with Pat today and he was absolutely wonderful. He wasn’t judgemental and he understood everything about my life basically and wanted to help. I recommend him to anyone that’s in financial difficulty. Because the way he has assisted me with my major problem was fantastic. I gave him 5 out of 5 because he was so good and because of him I will have a great night sleep with no more stress.
Spoke with Pat, he was very clear with every step of the process, made sure that I knew and understood certain terms or information and was able to provide me a solution/plan to help with my debts.
Pat also made me feel comfortable and was non-judgmental towards my circumstances and situation.
Was an absolutely brilliant experience and outcome that I honestly didn’t think possible. He was extremely professional and very sympathetic to my situation and genuinely listened and cared about what I was saying. Can’t recommend him highly enough. And thank you doesn’t feel enough…
Pat was amazing to talk to, I had my doubts of what was suggested but he put my mind at ease and explained everything clearly. He was very patient with my questions and my initial hesitation. Thank you Pat!!!
very user friendly application online form. the website is secure and runs smoothhly.only 4 minutes to apply online. excellent products. 5 stars from me welldone team thankyou
Lauren was fantastic
Lauren helped me with my situation
I highly recommend
Went out of her way to come up with the best solution and was very helpful every step of the way. Was a pleasure to deal with.
I was so surprised by the ease and compassion I was met with by Pat and the team, they made something I was quiet embarrassed about easy to understand and far less overwhelming then I thought it was going to be, I’m so grateful for the help I received and chance to be back in control of my finances 🙂
The person was very nice spoken she explained everything very clearly. She made me feel very comfortable to speak with her.
Best Debt Managment Solution Company Keanue understood my financial situation and was helpful in guiding me to a solution that worked best for me. He communicated clearly and concisely without feeling pressured. Would recommend this company highly
Managing debt can feel like a balancing act. Everyday expenses, bills, and loan repayments quickly add up, making it hard to stay on top of your finances.
Even with careful budgeting, it can be challenging to find the extra cash that you need. A debt management plan can make all the difference.
At the Australian Lending Centre, we help streamline your repayments into a single, manageable plan, tailored to your needs.
We work with you to create a strategy that fits your budget.
We believe it’s important that a debt management program is designed specifically for you.
This is why each client is assigned their own expert who works around the clock to provide the very best support. We take the time to fully understand your situation and we will always put you first.
Once you are engaged in our program, our goal is to deliver swift results so you can regain financial control and the peace of mind you deserve.
Our team will negotiate a new repayment plan that you can afford, and your creditors will be taken off your hands for good. In many cases, we can also reduce the total debt amount too!
The Debt management process invovles re-adjusting your current repayments to be more affordable and manageable. This new plan combines your current debts into one payment plan to fit your budget.
Debt Consolidation is a form of loan where your existing debts are paid off and you are provided with a new loan package with lower interest rates and fees. You also only have one repayment to manage.
Debt Relief is a strategy to reduce or eliminate debt via a debt settlement process. While negotiations with your creditors take place, repayments are usually paused.
Debt Negotiation is a form of debt relief that specifically focuses on negotiating a direct and fast debt settlement with creditors. If you qualify then positive results can be achieved extremely quickly.
Part IX Debt Agreements (also known as a Part 9 Agreement or a Formal Debt Agreement) is an alternative to bankruptcy. It allows you to repay your debts at a reduced amount over a set period.
You will only have 1 regular repayment at your chosen frequency in the form of a direct debit so there's no need for manual action. Instead, you can live comfortably.
It's highly likely that a lower overall interest rate can be achieved. This can reduce the total amount paid over time and accelerate your journey to being debt-free.
Getting debt help enables you to manage your finances more effectively without resorting to bankruptcy, which can have severe consequences legally, financially and to your lifestyle.
Once you’re enrolled in a debt management plan, creditors must agree to stop collection calls and legal actions, providing you with peace of mind.
Our excellent financial support will help you to build better money management skills and avoid future debt issues. You will have a designated expert by your side every step of the way.
We can manage many different types of debts at once, including personal loans, credit cards, payday loans, buy now pay later, store cards and more.
Here are some helpful tips to follow if you are struggling to control your finances.
Do:
Don’t:
Begin your journey by enrolling in a debt management plan tailored to your financial situation. With a clear strategy in place, you can start to live comfortably, only paying an agreed upon amount that you can afford.
By taking action, you can reduce stress and avoid your debt situation slipping further out of control.
Stay committed to the debt management process by making consistent, on-time payments each month. Being disciplined and proactive is key to successfully reducing your debt.
By doing so, a debt-free future will be clearly in sight.
As you near the end of your debt management plan, you’ll see your balances shrink, your credit score (should) improve, and your financial stress diminish.
You can start to feel excited about your finances, knowing that your debts are now a thing of the past!
According to Experian, a leading credit reporting company – participating in a debt management plan will not directly impact your credit score. Although creditors may make a note on your credit file that you’re on a plan; however, this metric shouldn’t count against you.
Australian Lending Centre also do not perform credit checks. Consistent, on-time payments towards your debt management plan can help improve your credit score over time as your total debt amount gradually decreases.
The time to become debt-free with a debt management plan typically ranges from 3 to 5 years but can be longer, depending on your total debt and repayment terms.
In some cases, we are also able to successfully waive a portion of your debt, or in special cases, the entire thing, reducing your total debt to $0. In these cases, the debt-free timeframe can be significantly shorter.
You can incorporate many types of debts into one plan.
Unsecured debts include:
Secured debts are a little more tricky, but can still be possible on a case by case basis. Speak to us to find out if we can make it work for you.
Missing a payment can result in late fees and a potential disruption of your plan. If missed payments persist or you become uncontactable then the plan can also be cancelled and your financial arrangement will go back to how it was structured before.
It’s crucial to contact us immediately if you encounter difficulties. We will do our best to work with you to rework your arrangement and find a solution.
Fees for a debt management plan may include an initial setup fee and an ongoing management fee. Both of these costs are built into your regular repayments so you never have to worry about making any upfront payments.
A debt management plan may be suitable if you have multiple unsecured debts and struggle to keep on top of repayments.
We always ensure that your new plan is aligned with your financial goals and situation.
If you’re still unsure if debt management is right for you, it’s worth checking out this blog. We created it to help you identify debt mistakes and how to avoid them.
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