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Personalised Debt Negotiation Services

Reduce debt and regain financial control with Fix Bad Credit’s help. Our skilled team negotiates on your behalf to secure better terms and lower payments.
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Debt Negotiation

What is Debt Negotiation?

Debt negotiation is the process of working with creditors to reach a mutually beneficial agreement, typically involving reduced payments, lower interest rates, or extended loan terms. If you’re struggling with overwhelming debt and missing repayments, debt negotiation could be the key to gaining control of your finances and avoiding more severe outcomes like bankruptcy.

How Can Fix Bad Credit Help You

At Fix Bad Credit, we specialise in debt negotiation services tailored to your unique financial situation. Whether you’re dealing with personal loans, credit cards, or unpaid utility bills, our team of expert debt negotiators liaises directly with creditors to develop manageable repayment plans. We also offer credit card debt negotiation services and business debt negotiation services for Australian businesses struggling to keep up with repayments.

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Benefits of Debt Negotiation

Reduce Your Debt

Debt negotiation allows you to negotiate with creditors to reduce the overall amount owed, making it easier to manage your financial obligations. By working with Fix Bad Credit’s experienced debt negotiators, Australians can potentially settle their debts for less than the full amount. This strategy not only helps reduce stress but also offers a clear path towards financial recovery and long-term stability. Our debt negotiation services are designed to help you regain control of your finances and pay off debt faster.

Lower Interest Rates

Through debt negotiation, you may be able to secure lower interest rates on your outstanding loans and credit card balances. This reduction can significantly decrease your monthly payments, allowing you to save money over time. Whether you’re seeking credit card debt negotiation services or assistance with other personal loans, Fix Bad Credit will help ensure you get the most favourable terms. Lower rates translate to more manageable repayments and faster debt clearance

Avoid Bankruptcy

For Australians facing overwhelming debt, negotiation can be a valuable alternative to bankruptcy. Bankruptcy can have a long-lasting effect on your credit score and financial future. By opting for debt negotiation, you can avoid this extreme measure, protect your credit, and work towards debt relief with a customised repayment plan. Fix Bad Credit offers solutions to avoid bankruptcy to preserve your financial health.

Improve Your Cash Flow

Debt negotiation can significantly improve your cash flow by reducing the total amount you owe and lowering your monthly payments. This gives you more financial breathing room to manage everyday expenses and plan for future financial goals. By working with Fix Bad Credit’s debt negotiation services, Australians can experience immediate relief from financial pressure and focus on rebuilding their credit. Better cash flow allows you to regain control over your finances and work towards long-term stability.

Free Credir Report Review

Get Started with Debt Negotiation

Get a FREE Financial Review with Fix Bad Credit today! Our team will help you explore options, negotiate with creditors, and create a personalised plan to reduce your debt.
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How to Start Debt Negotiations: A Quick Overview

Contact Us for a Free Consultation

Start by getting in touch with Fix Bad Credit for a free review. We'll assess your financial situation, including any business debt, personal loans, or credit card debt, and discuss how our debt negotiation services can help. This initial assessment allows us to explore solutions tailored to your needs, whether you're looking for debt negotiation in Australia or simply want to reduce your debt load.

Provide Financial Information

Once you’ve contacted our team, we’ll need detailed information about your financial situation. This includes your income, expenses, and outstanding debts. By understanding your financial picture, Fix Bad Credit’s experienced debt negotiators can design a custom strategy to approach creditors and negotiate more favourable terms for you.

Review and Approve Negotiation Plan

After gathering your financial data, Fix Bad Credit will create your personalised negotiation plan. This plan outlines our approach to negotiating reduced payments or lower interest rates. You’ll have the opportunity to review the plan in detail and provide feedback before we move forward. Your approval ensures you’re comfortable with the strategy before negotiations begin.

Let Us Handle the Negotiation

Once the plan is approved, our experienced debt negotiators will handle all communication with your creditors. We’ll keep you updated at every stage, ensuring that you’re fully informed as we work to secure the best possible outcome for your financial future.

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See What others are saying

4.9 5 Star Rating See All Reviews
Keegan Mason
Keegan Mason
★★★★★
2 weeks ago
CJ's communication throughout the process and knowledge in the credit repair space has been outstanding. His initial phone call was highly professional and thorough taking me through the entire credit report, where things are good and where improvement is required. He then offered me expert advice on how the broker can avoid similar mistakes moving forward. He called me back today to say the bad/ missed payment item had been removed from my file and will be off my credit report by next week. How easy! Well done CJ, highly recommend his services.
Rae Lee
Rae Lee
★★★★★
1 month ago
I contacted Fix bad Credit on a Saturday afternoon. They called me straight back. CJ listened ed to what I wanted to achieve, went through my credit report with me, and explained what everything means, and how it all works. Instead of selling me something I don’t need, he told me what I needed to do at no cost and has now put me in touch with someone who can get me my finance for my home.
Crystal Haines
Crystal Haines
★★★★★
3 weeks ago
CJ has been fantastic! When I called Fix Bad Credit Pty Ltd to get an understanding of their services and pricing I was not expecting SUCH great service. CJ thoroughly explained my partners credit report to me in a way that I could grasp a great understanding of what everything on the report meant. CJ also gave me some fantastic tips to help myself and my partner better prepare our credit records so we can in the next 12 months obtain a home loan. I found CJ extremely professional, kind and incredibly helpful. I’m very grateful for his advice and time.
Keegan Mason
Keegan Mason
★★★★★
2 months ago
CJ's communication throughout the process and knowledge in the credit repair space has been outstanding. His initial phone call was highly professional and thorough taking me through the entire credit report, where things are good and where improvement is required. He then offered me expert advice on how the broker can avoid similar mistakes moving forward. He called me back today to say the bad/ missed payment item had been removed from my file and will be off my credit report by next week. How easy! Well done CJ, highly recommend his services.
Brianna Delaporte
Brianna Delaporte
★★★★★
4 months ago
CJ was fabulous to deal with from start to finish. From the speedy turnaround after my first request for information, and every dealing after that, the whole process was around two to three weeks. We felt like CJ provided us with great information about the process up front and was overly communicative throughout. For anyone who has an issue with a blip on their credit report, we highly recommend working with CJ to get it sorted.
Rebecca Bray
Rebecca Bray
★★★★★
3 months ago
After a relationship breakdown and separation, I needed help from CJ to repair a bad credit rating. From the very first meeting CJ was understanding, helpful and knowledgeable in all aspects of my situation. The communication, feedback, updates and attention to detail have been 5 star!! A positive outcome means I can start to get my life back on track and move forward financially. So very grateful. Thank you CJ
Charmaine Simpson
Charmaine Simpson
★★★★★
4 months ago
We had the pleasure of using Fix Bad Credit to remove an RHI. CJ was thorough and informative throughout the whole ordeal, keeping us up to date, and just truly made the whole experience a breeze for us. Highly recommend CJ and the team!
Andrew Lambie
Andrew Lambie
★★★★★
2 months ago
Where do I start? I was advised to use a credit repair business based over east. Well. What a waste of time that was. I then found CJ… and let me tell you, he is brilliant at his job. He managed to reach out to the credit provider and have it removed from Equifax. Don’t waste time looking for someone else. Get onto CJ at Fix Bad Credit… Seriously, you will not be disappointed.
Jules Moore
Jules Moore
★★★★★
4 months ago
Wow - I was really impressed with the support I received from CJ in resolving a credit issue. He was prompt in responding, friendly, helpful and professional. With the support I received from Fix Bad Credit Perth I am now able to buy a family home which was not going to be possible. Thank you! If I could give 6 stars I would.
unmi akinyemi
unmi akinyemi
★★★★★
4 months ago
CJ and the team is an absolute legend. Very professional , explained the process to me. They were able to have a default taken off which seemed so impossible. Best in the business. So very grateful.

Frequently Asked Questions?

What is Credit Repair

Debt negotiation often leads to debt settlement. In debt negotiation, we work with your creditors to agree on a reduced amount as full payment for your debt. This process can help lower the total amount owed and make your debt more manageable. While debt negotiation can pave the way for a settlement, it’s important to understand that settlement itself involves paying a lesser amount to settle the debt completely.

Yes, debt negotiation can impact your credit score. While it will not be as severe as bankruptcy, settling debts for less than the full amount can lead to a temporary decrease in your score. However, as you resolve your debts, your credit score can improve over time. Maintaining regular payments and avoiding new debt can help rebuild your score after negotiation.

Debt negotiation is commonly used for various types of unsecured debt. This includes credit card debt and personal loans. Unsecured debts are those not tied to physical assets, making them more flexible for negotiation. However, at Fix Bad Credit, we have achieved great results in negotiating terms for secured debts as well. Our experienced team works diligently to find flexible solutions that can help you manage both secured and unsecured debts, aiming to protect your assets and improve your financial situation. While each case is unique, our personalised approach ensures that we explore all possible avenues to provide you with the best outcome.

The duration of the debt negotiation process varies based on individual circumstances. Typically, it can take several weeks to a few months to reach a resolution. The process involves assessing your financial situation, negotiating with creditors, and finalising agreements. Our team will keep you informed throughout the process to ensure you know what to expect at each stage.

Debt negotiation can be a suitable option if you’re struggling to meet your debt payments and wish to avoid bankruptcy. It offers a way to reduce your total debt and improve your financial situation. To determine if debt negotiation is the right solution for you, contact Fix Bad Credit for a free review. Our debt specialists can assess your situation and guide you towards the best course of action.

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