Debt Relief Options

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We are Debt Experts We are not Insolvency Trustees

Consumer Proposal

A consumer proposal is a legally binding agreement between you and your creditors which lasts up to 5 years.

If your debt is between $5000 an $250,000, one manageable monthly payment would be created to pay back all of your creditors, depending on your income and expenditure.

This federally regulated program allows you to potentially write off up to 70% of your total debt, whilst protecting your assets at the same time (e.g. your home, car etc).


Debt Management

A debt management program is where one, lower monthly payment is arranged with you, depending on your debt level and income/expenditure, which would be distributed between your creditors over a set period of time, until your full debt is paid back in full.

This is beneficial if you are struggling or behind with your payments as it could potentially freeze the interest on your unsecured debts, and stop the collection calls from your creditors involved in the program.


Debt Settlement

A debt settlement agreement could be beneficial to you if you have more than $10,000 of debt and you can gain access to one lump sum amount of money.

An agreement would be reached with your creditors to pay back a portion of your unsecured debts, with the possibility of writing off up to 70% depending on your circumstances.

Once an agreement has been made, you would pay the one-time agreed amount which would be distributed between your creditors, this would then settle all remaining debts.


Debt Consolidation Loans

We can help with unsecured loans, secured loans and equity release. If you have a house which has capital value, equity can be released from your home to pay off all of your debts in the form of a loan or re-mortgage.



Bankruptcy is legally binding and aims to eliminate your unsecured debts It will release any garnishment of pay that you currently have, and will stop the collection calls/emails/letters from creditors.

You are eligible for bankruptcy if you owe more than $1,000 in debts, but there are some debts that you cannot include within a bankruptcy claim, and most but not all of your assets may be protected.

If you have equity of under $10,000 in your home, then bankruptcy should not affect this.


Credit Repair & Rebuilding

We provide budgeting assistance on your finances and can provide you with positive trade lines on your credit file in the form of a credit card, this can help rebuild a new credit history. We also provide education on how to build a new credit score and ensure you are using credit properly.

Let us here at Debt Review be the light at the end of your tunnel, let us help free you from your financial burden so that you can breathe a huge sigh of relief, and once again regain financial control.