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.

1. Over 40 years of combined
experience
We offer our assessment on the best debt solutions
and our initial consultation is at no charge. So take
control and unlock your financial freedom and get
your debts under control with Debt Advisory Hotline
today.

2. About Us
Debt Advisory Hotline is an Australian owned and based company with a focus of providing
tailored debt solutions to people & businesses 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 our clients' financial worries and are motivated to
genuinely assist our clients by offering affordable, attractive and viable alternatives for anyone
experiencing financial distress such as.
 • Debt Negotiations
 • Debt Settlements
 • Debt Agreements
 • Debt Elimination Plans
 • Stopping Phone Calls From Creditors
 • Stopping & Negotiating Court Action
We 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. Debt Negotiations
Do 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 debt
commitments that have become unmanageable and who require debt relief.
When you contact us at Debt Advisory Hotline you can be confident that our debt management
solutions 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. So
take control and unlock your financial freedom and get your debts under control with Debt Advisory
Hotline today.

4. Informal Arrangement
An informal arrangement is a solution for debt relief which involves
reaching an agreement for an arrangement with creditors to change the
terms upon which your debts will be repaid.
This will make it easier for you to meet your financial commitments over
an agreed period of time.
These arrangements with creditors can result in reduced costs and importantly
the avoidance of bankruptcy. However, as an informal arrangement with
creditors require approval from all of your creditors they can sometimes be
difficult to achieve.
Debt Advisory Hotline can assist by providing an assessment of your financial
position to determine whether an informal arrangement with creditors is right
for you. If so, Debt Advisory Hotline can assist you in speaking and liaising
with your creditors.
If an informal arrangement with creditors is not right for you there are other
alternatives for debt relief that Debt Advisory Hotline can assist you with, such
as a debt agreement.

5. Formal Debt Agreement
Debt hits every aspect of people’s lives and may impact home, family, work, relationship and health. It is common for
people’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 by
specific 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 to
settle the debt.
A debt agreement is a legally binding arrangement between you and your creditors that is governed by specific
legislations. It is legally binding if accepted between you and your creditors to repay an amount of money to settle your
debts and to repay a reduced amount of what you owe which could allow you to pay back an amount that you could
afford 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 to
ITSA you are committing an act of bankruptcy. Your details appear on the National Personal Insolvency Index (NPII), a
public record, for the proposal and any debt agreement. Your ability to obtain further credit is affected. Details may
also 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 suspend
garnishees on your income. During a debt agreement, you are not bankrupt and all unsecured creditors are bound by
the debt agreement and are paid in proportion to their debts. You will be released from most unsecured debts when
you complete your obligations and payments.
It is important to recognise financial difficulty early so that you can address the situation before it becomes
unmanageable and you have to resort to options that you would otherwise prefer to avoid.

6. 1. Case Study
Case Study – Credit Repair
Adam has been a loyal customer to his financial institutions. He always kept and maintained a
good relationship/record with his creditors.
Adam owed over $100,000.00 to a financial institution; he locked his funds into different
investments 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 the
extension needed and his current situation.
When Adam had to re-finance to invest elsewhere, he realised that his financial institution placed
a default listing on his credit file. Adam contacted the financial institution to notify them about the
constant communication and reasons for late payments and despite his numerous requests to
remove 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 financial
institution. Debt Advisory Hotline was successful in having the financial institution’s solicitors
agree that the listing was erroneous and subsequently the default listing was removed off
Adam’s credit file

7. 2. Case Study
Case Study – Reduction of Outstanding Account
Rick is a hard working citizen and attempts to keep control of all bills
due. Rick had to fly overseas for a business trip. He has had the same
telecommunication’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 he
was greeted with a $4,750.00 outstanding telephone bill.
Rick heard about us from one of his colleagues and contacted our office
for assistance
Debt Advisory Hotline’s solution was as follows:
Debt Advisory Hotline communicated and negotiated thoroughly with
the telecommunication company on behalf of Rick
Debt Advisory hotline explained the situation and went into further
detail with the telecommunication company about obligation’s etc.
Telecommunication company agreed to waive the total amount of
$4,750.00

8. 3. Case Study
Danielle has been made redundant from her job and has fallen behind in repayments following a
period of no income because she was not working.
In the past, her repayment history has been exemplary and it is only due to these unfortunate
turn of events which has placed her in the current lapse and she is now receiving reminders from
her creditors which she finds very distressing.
Danielle: Overview of current position
The Debt Advisory Hotline debt solution was as follows:
 Debt Advisory Hotline Stopped all the phone calls and letters from her creditors (they came
to us)
 Debt Advisory Hotline contacted all Danielle’s creditors & put a temporary moratorium on her
account until she was re-employed (6 months holiday)
 Once re-employed Debt Advisory Hotline organized a payment plan at a reduced rate with no
interest or late fees
 Danielle now has one easy loan repayment per month with a time frame of being debt free
Loan Balance Monthly Payments
Personal Loan $10,000.00 $400.00
Credit Card 1 $25,000.00 $900.00
Total $35,000.00 $1,300.00

9. PAST RESULTS
Type Original
Balance
New Balance Time it took % Reduction
Credit Card $54,841.00 $18,000.00 1 Week 67
Personal Loan $22,372.21 $11,333.00 3 Weeks 50
Credit Card $17,050.00 $5,967.77 3 Weeks 64
Telecommunic
ation
$4,750.00 $0 2 Weeks 100
Credit Card $18,558.81 $6,495.00 3 Weeks 65
Credit Card $21,236.40 $7,432.74 3 Weeks 65
Personal Loan $18,806.22 $11,285.00 3 Weeks 40
Telecommunic
ation
$780.00 $0 1 Day 100
Childcare Fee $600.00 $200.00 1 Week 67
Business Debt $8,000.00 $500.00 1 Day 94
Insurance
Claim
$8,000.00 $2,000.00 2 Weeks 75
Telecommunic
ation
$3,700.00 $0 2 Weeks 100

10. Why Choose Debt Advisory
Hotline Pty Ltd
At Debt Advisory Hotline we provide affordable and efficient solutions. Our
directors have over 40 years of combined experience in the industry.
Our staff are highly experienced and have managed large collection firms in
Australia which allows them to assist you with the knowledge of what some
creditors don’t want you to know.
We provided services tailored and suited to your needs to ease your stress
and 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. Please contact us on
1300 567 848
Don’t forget to visit our website on
www.debtadvisoryhotline.com.au
Debt Advisory Hotline Pty Ltd
Telephone: 1300 567 848
Facsimile: 02 8556 0010
E-mail: info@debtsresolved.com.au
WE CAN ‘unlock your financial freedom’