Debt Management

Having debts spiral out of control can be incredibly stressful. The Australian Lending Centre has debt management solutions that are affordable and can help to protect your credit score.
No impact on your credit score

Benefits of a Debt Management Plan

If you find yourself struggling to control your debts, a certified specialist at Australian Lending Centre could provide Debt Management. Our proven system has helped thousands of Australians to turn their finances around.

Debt relief - Australian Lending Centre

Debt Relief with Australian Lending Centre

Debt relief provides an amazing opportunity to regain financial stability. Our debt management services are designed to provide effective solutions for clients burdened by overwhelming debt.

This involves skilful negotiation with creditors to reduce the total amount owed, enabling clients to settle their debts on more favourable terms.

We specialise in consolidating multiple debts into a single, manageable payment, streamlining the repayment process for our clients.

Moreover, at Australian Lending Centre, we emphasise financial education as a key component of our debt relief services.

 

Our Debt Management Program

Our debt management program takes a holistic approach to your financial situation.

With our help, your debts could be consolidated into 1 repayment, even if you have different types of debts with different creditors. Your repayment amount could also be reduced, along with a whole host of other benefits, such as frozen interest and protection from your creditors.

We also believe that empowering our clients with knowledge about budgeting and responsible financial practices is essential for long-term success.

By offering personalised strategies and expert guidance, we aim not only to address the immediate, short-term challenges of excessive debt but also to equip individuals with the tools they need to avoid similar situations in the future, fostering a more secure and stable financial future.

Our Debt Management Program
Debt Management Means You’re Not Alone

Smart Debt Solutions

When you have mounting debts, it may feel isolating and lonely, but when you apply for debt relief with Australian Lending Centre, you have a partner who will be there for you every step of the way. Our mission is to make you feel more supported and less alone. Our debt management experts will begin working to find you a debt solution as soon as you apply with us. This will help you save money on a monthly basis. We review your credit file, help you with  your budget, and take into account your current commitments — all for free.

For a free consultation with a debt relief expert, call today. The sooner you begin our debt management program, the sooner you will be able to regain control of your finances.

May 24, 2024
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Great customer service, super informative and every helpful.

May 16, 2024
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Grady was amazing! So thoughtful and understanding with not a single hint of judgement in his voice. I felt safe to express my emotions and like I was finally going to receive the assistance I need to get back on track. THANK YOU!

April 29, 2024
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Chloe was so helpful, patient and knowledgeable. She was so good in explaining everything in a clear manner, and was friendly and provided me the information needed.

April 17, 2024
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Keanu was friendly, patient and explained everything perfectly and gave me the assurance and guidance that I needed. He was a delight to speak to and he helped make a awkward, embarrassing conversation..easy and pleasant
Thank you Keaunu

March 25, 2024
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Keanue was an absolute delight to deal with! I got everything laid out in simple terms and was able to understand a very typical hard finance conversation so easily. He was incredible empathetic and fantastic to talk about my financial situation with. Would highly recommend!

March 24, 2024
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Fantastic very good lovely person to talk to Chloe..
March 22, 2024
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I was able to get the support and help i needed with Pats Guidance. He didn’t judge me and gave me assurance that everything will be okay. Thankyou Pat for your exceptional service.

March 14, 2024
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Pat was very understanding and helpful! He was non judgmental and helped me find the best possible solution for my debt issues.

February 29, 2024
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Keanue was so great to talk to and nothing but helpful. I’ve struggled trying to get financial help because I was nervous and didn’t want to be judged. Keanue was so understanding, judgement free and wanted nothing more than to help me however he could.

February 22, 2024
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Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
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Great assistance & very professional

February 20, 2024
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Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
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Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
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Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
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Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
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This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
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Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
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Chloe was super friendly and helpful

February 8, 2024
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I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
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Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
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Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
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He was very helpful and understand too notch employee

January 18, 2024
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Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
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Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
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Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
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Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
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Was great to talk to would do it again if I had to

December 20, 2023
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Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
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Chloe was fantastic to deal with, very professional!!

December 13, 2023
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Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
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Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
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A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
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Chloe was brilliant and super helpful

December 6, 2023
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Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂

November 29, 2023
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Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
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Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
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Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
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Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
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Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
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This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
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Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
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First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
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It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
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Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
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I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
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It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
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Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
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Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
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Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
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Friendly, understanding and informative

November 14, 2023
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Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
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Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
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Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
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The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
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Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
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She was so understanding and amazing

October 24, 2023
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Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

August 17, 2023
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Easy doing application online Verification and approval of application for quite turn around.

August 3, 2023
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I recommended this to anyone because it was so easy going and very easy to use

March 22, 2022
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I found Kayla to be very professional and non judgement to the advise l was asking, she had a lovely approach and manor on the phone. Would highly recommend this company

December 10, 2021
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Kayla has been lovely to deal with. She’s been responsive and helpful, suggesting multiple solutions to help me meet my needs. She has shown empathy and warmth, genuinely caring for her customers and their situation. Thank you Kayla 🙏

June 30, 2021
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I am so happy with the service that was provided to me, me and the customer service officer had a laugh, figured out my finances and I am able to get a new car thanks to her.. I have never ever been so happy in my life

June 29, 2021
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Brilliant.. one of easiest interviews I have done. 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽 Kristina was funny, engaging but more than anything calm. When dealing with peoples finances which is such a stressful subject she was calm.

June 28, 2021
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Chloe was great. Very helpful and genuine

June 28, 2021
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Professional and very clear

June 23, 2021
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Kathleen was very friendly and easy to talk to. She confirmed everything to ensure she had our details correct. She explained our options and answered all the questions we may have.
Very happy overall with our time spent on the phone with Kathleen.

June 22, 2021
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Chloe’s honesty and active listening skills were outstanding. She broke down the options for me and helped me feel at ease throughout this process. Thank you an asset to your team.
Rachel Rogers

June 21, 2021
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Kathleen was very helpful and informative, with an excellent demeanor. Definitely a credit to your company.

June 21, 2021
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Kathleen was polite and compassionate looking forward to getting back into a better position

June 18, 2021
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Chloe was very understanding and polite with regard to my situation and offered effective strategies to suit my needs moving forward. Excellent customer service and support.

June 17, 2021
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Kathleen was absolutely amazing! Professional, easy, friendly & quick to get results.
Before I made the phone call I was depressed & embarrassed and didn’t know what to do about my stressful financial debt.
I’d spoken to around 4 other loan consolidation companies and they were no help.
I was loosing motivation & very confused but decided to make one last phone call to try and get help to fix my current financial mess.
Thank goodness I called & spoke to Kathleen!
By the end of the call a weight has been lifted off my shoulders and I no longer felt stressed.
I couldn’t believe that I actually felt excited and in control of my finances for the first time in a longtime.
Thank you so much Kathleen & team for helping me.
Now I’m no longer so stressed I can be a better Mother & enjoy life more with my peace of mind finally given back to me.
Thank you Kathleen!

Debt Management FAQs

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Australian Lending Centre specialises in helping individuals and business owners to manage debt more easily. Debt management has never been simpler thanks to a variety of innovative products and our network of financial partners. We can help you worry less and enjoy life more. You can choose to consolidating your home loan, car loan, personal loan, and credit card payments into one simple payment, or we can help to renegotiate debts and repayment schedules with creditors on your behalf. We can even manage multiple repayments if you don’t want the hassle of paying different creditors each month.

If you aren’t sure if our debt management strategies are right for you, expert debt consultants at Australian Lending Centre are ready to help you to find the best solution to manage out-of-control debt. Our goal is to  get you in the best possible financial shape moving forward. Talk to us totally obligation free. Fill in our enquiry form, it takes less than 30 seconds. One of our debt management experts will call right away to talk about your debt situation and explore your options.

We don’t make decisions based on your credit history when you sign up for a debt management program. Our primary mission is to help you save money on interest and monthly payments. Your credit score will have no impact. This is fantastic news for people with poor credit. There will be no extra financial pressure or credit enquiry because you are not taking out another loan.

If you want to improve your financial situation, Australian Lending Centre will help you find the best debt reduction plan for you, one that suits your budget and takes into account your other obligations. We have 25 years of experience helping consumers get out of debt.

A part 9 debt agreement is part of the bankruptcy act, so it is definitely something not to be entered into lightly. Before taking the drastic step if a part 9, we look at the following solutions:

  •  Debt consolidation: if you are eligible, this is probably the first solution to look into. You can combine your high interest, inflexible loans and outstanding payments into one loan, which means one regular repayment, with more flexible options.
  • Informal debt arrangement: with an informal debt arrangement we work with you, to figure out all your expenses, debts and obligations, as well as you income and what you can actually afford to repay. Rather than you juggling multiple repayments that leave you with nothing to live on, we establish a payment program with you and funnel the repayments across your creditors. We work with your creditors, so they only deal with us, the harassing phone calls, emails and letters stop.
  • Debt negotiation: ALC can act as your advocate with the creditors and debt collectors, and negotiate to stop the interest, and find a payment rate that suits your cashflow. Sometimes, if you have a lump sum, for example a tax refund, we can even reduce the debt significantly and pay that out with the lump sum. 
There is a lot we can do to help people struggling with debts, and we are experts in help people overcome that stress, so call or use our fast and easy online application form, and get in a better financial situation.