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Debt Advisory Hotline is an Australian owned and based company with a focus of providing tailored debt solutions to people with debt commitments that have become unmanageable & want to unlock their financial freedom.

Staff at Debt Advisory Hotline are highly experienced and qualified to assist in finding, creating and providing positive solutions to ease clients' financial worries and they are motivated to genuinely assist clients by offering affordable, attractive and viable alternatives for anyone experiencing financial distress.

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Debt advisory slide

  1. 1. Over 40 years of combinedexperienceWe offer our assessment on the best debt solutionsand our initial consultation is at no charge. So takecontrol and unlock your financial freedom and getyour debts under control with Debt Advisory Hotlinetoday.
  2. 2. About UsDebt Advisory Hotline is an Australian owned and based company with a focus of providingtailored debt solutions to people & businesses with debt commitments that have becomeunmanageable & want to unlock their financial freedom.Staff at Debt Advisory Hotline are highly experienced and qualified to assist in finding, creatingand providing positive solutions to ease our clients financial worries and are motivated togenuinely assist our clients by offering affordable, attractive and viable alternatives for anyoneexperiencing financial distress such as. • Debt Negotiations • Debt Settlements • Debt Agreements • Debt Elimination Plans • Stopping Phone Calls From Creditors • Stopping & Negotiating Court ActionWe offer our assessment on the best debt solutions and our initial consultation is at no charge.So take control and unlock your financial freedom with Debt Advisory Hotline today.
  3. 3. Debt NegotiationsDo you have unpaid bills?You can refer accounts that are unpaid to us to negotiate a reduced balance.Our team at Debt Advisory Hotline is focused on providing debt solutions to people with debtcommitments that have become unmanageable and who require debt relief.When you contact us at Debt Advisory Hotline you can be confident that our debt managementsolutions will be: Confidential to you. Tailored to your circumstances. We will work with you & your creditors to unlock your financial freedom. Provide practical debt solutions that are affordable and realistic.We offer our assessment on the best debt solutions and our initial consultation is at no charge. Sotake control and unlock your financial freedom and get your debts under control with Debt AdvisoryHotline today.
  4. 4. Informal ArrangementAn informal arrangement is a solution for debt relief which involvesreaching an agreement for an arrangement with creditors to change theterms upon which your debts will be repaid.This will make it easier for you to meet your financial commitments overan agreed period of time.These arrangements with creditors can result in reduced costs and importantlythe avoidance of bankruptcy. However, as an informal arrangement withcreditors require approval from all of your creditors they can sometimes bedifficult to achieve.Debt Advisory Hotline can assist by providing an assessment of your financialposition to determine whether an informal arrangement with creditors is rightfor you. If so, Debt Advisory Hotline can assist you in speaking and liaisingwith your creditors.If an informal arrangement with creditors is not right for you there are otheralternatives for debt relief that Debt Advisory Hotline can assist you with, suchas a debt agreement.
  5. 5. Formal Debt AgreementDebt hits every aspect of people’s lives and may impact home, family, work, relationship and health. It is common forpeople’s financial circumstances to change due to unemployment, illness, relationship breakdowns and more.There are various options available to deal with unmanageable debts. Some are formal arrangements governed byspecific legislation and some are more informal and usually based on agreements between you and your creditor/s.Some creditors could give you more time to pay, agree to renegotiate repayments or accept a smaller payment tosettle the debt.A debt agreement is a legally binding arrangement between you and your creditors that is governed by specificlegislations. It is legally binding if accepted between you and your creditors to repay an amount of money to settle yourdebts and to repay a reduced amount of what you owe which could allow you to pay back an amount that you couldafford per week over a certain period of time with any further interest to be frozen.A debt Agreement is not the same as Bankruptcy; however it is an alternative to bankruptcy and once submitted toITSA you are committing an act of bankruptcy. Your details appear on the National Personal Insolvency Index (NPII), apublic record, for the proposal and any debt agreement. Your ability to obtain further credit is affected. Details mayalso appear on a credit reporting organisations records for up to seven years.During the voting period creditors cannot take debt recovery action or enforce further action; and must suspendgarnishees on your income. During a debt agreement, you are not bankrupt and all unsecured creditors are bound bythe debt agreement and are paid in proportion to their debts. You will be released from most unsecured debts whenyou complete your obligations and payments.It is important to recognise financial difficulty early so that you can address the situation before it becomesunmanageable and you have to resort to options that you would otherwise prefer to avoid.
  6. 6. 1. Case StudyCase Study – Credit RepairAdam has been a loyal customer to his financial institutions. He always kept and maintained agood relationship/record with his creditors.Adam owed over $100,000.00 to a financial institution; he locked his funds into differentinvestments which made it difficult to release funds to pay the overdue amount of over$100,000.00. Adam communicated thoroughly with his financial institution to notify them of theextension needed and his current situation.When Adam had to re-finance to invest elsewhere, he realised that his financial institution placeda default listing on his credit file. Adam contacted the financial institution to notify them about theconstant communication and reasons for late payments and despite his numerous requests toremove the default; the financial institution ignored and then rejected his request.Debt Advisory Hotline’s solution was as follows: Debt Advisory Hotline negotiated for Adam Adam was constantly updated on the progress of his file by Debt Advisory Hotline The financial institution communicated directly with Debt Advisory Hotline Debt Advisory Hotline communicated both verbally and in writing with Adam’s financialinstitution. Debt Advisory Hotline was successful in having the financial institution’s solicitorsagree that the listing was erroneous and subsequently the default listing was removed offAdam’s credit file
  7. 7. 2. Case StudyCase Study – Reduction of Outstanding AccountRick is a hard working citizen and attempts to keep control of all billsdue. Rick had to fly overseas for a business trip. He has had the sametelecommunication’s account and other services for the past 30 years.Rick was not properly notified of the roaming charges when overseas,he kept the roaming active on his cell phone and upon his return hewas greeted with a $4,750.00 outstanding telephone bill.Rick heard about us from one of his colleagues and contacted our officefor assistanceDebt Advisory Hotline’s solution was as follows:Debt Advisory Hotline communicated and negotiated thoroughly withthe telecommunication company on behalf of RickDebt Advisory hotline explained the situation and went into furtherdetail with the telecommunication company about obligation’s etc.Telecommunication company agreed to waive the total amount of$4,750.00
  8. 8. 3. Case StudyDanielle has been made redundant from her job and has fallen behind in repayments following aperiod of no income because she was not working.In the past, her repayment history has been exemplary and it is only due to these unfortunateturn of events which has placed her in the current lapse and she is now receiving reminders fromher creditors which she finds very distressing.Danielle: Overview of current positionThe Debt Advisory Hotline debt solution was as follows: Debt Advisory Hotline Stopped all the phone calls and letters from her creditors (they cameto us) Debt Advisory Hotline contacted all Danielle’s creditors & put a temporary moratorium on heraccount until she was re-employed (6 months holiday) Once re-employed Debt Advisory Hotline organized a payment plan at a reduced rate with nointerest or late fees Danielle now has one easy loan repayment per month with a time frame of being debt freeLoan Balance Monthly PaymentsPersonal Loan $10,000.00 $400.00Credit Card 1 $25,000.00 $900.00Total $35,000.00 $1,300.00
  9. 9. PAST RESULTSType OriginalBalanceNew Balance Time it took % ReductionCredit Card $54,841.00 $18,000.00 1 Week 67Personal Loan $22,372.21 $11,333.00 3 Weeks 50Credit Card $17,050.00 $5,967.77 3 Weeks 64Telecommunication$4,750.00 $0 2 Weeks 100Credit Card $18,558.81 $6,495.00 3 Weeks 65Credit Card $21,236.40 $7,432.74 3 Weeks 65Personal Loan $18,806.22 $11,285.00 3 Weeks 40Telecommunication$780.00 $0 1 Day 100Childcare Fee $600.00 $200.00 1 Week 67Business Debt $8,000.00 $500.00 1 Day 94InsuranceClaim$8,000.00 $2,000.00 2 Weeks 75Telecommunication$3,700.00 $0 2 Weeks 100
  10. 10. Why Choose Debt AdvisoryHotline Pty LtdAt Debt Advisory Hotline we provide affordable and efficient solutions. Ourdirectors have over 40 years of combined experience in the industry.Our staff are highly experienced and have managed large collection firms inAustralia which allows them to assist you with the knowledge of what somecreditors don’t want you to know.We provided services tailored and suited to your needs to ease your stressand worries with the best debt solution to get you out of debt quicker.At Debt Advisory Hotline, we pride ourselves in living our core values; Honesty Reliability Efficiency Courageous
  11. 11. Please contact us on1300 567 848Don’t forget to visit our website onwww.debtadvisoryhotline.com.auDebt Advisory Hotline Pty LtdTelephone: 1300 567 848Facsimile: 02 8556 0010E-mail: info@debtsresolved.com.auWE CAN ‘unlock your financial freedom’

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