Australia’s household debt-to-income level has reached a new negative milestone, hitting 200% for the very first time.  Analysts have referred to it as “extremely elevated” and “one of the highest in the world.”  So, what exactly does this mean?  And what does it mean for our country?  In our latest blog we explain. What does this… Read more

Christmas spending takes it’s toll when January rolls round the bell starts ringing ….     Have you just received your statement for December? Did it make you cringe? You are not alone. Thousands of Australians are in the same boat trying find a way out this month …. Here’s our New Year Checklist for… Read more

Your Credit Score.  When applying for credit it seems to ‘rule all’. The problem is, if you are suffering from a less-than-perfect credit score, what can you do about it?  Well, actually, quite a lot as it happens. Your credit file is a record of YOUR history.  Who knows that better than you?  Sometimes, the… Read more

  Struggling with personal debt?  Looking for debt management or debt relief solutions and not sure where to start?  Reaching our for help, as early as possible, is so important to make sure you have the best range of debt relief options available to you.  Our team at Life After Debt ® are experienced in… Read more

Ever missed a payment on your credit card?  Have you then been thumped with unexpected charges from your bank? Banks conduct regular reviews on your credit card limit and interest rate, based on a number of factors of which repayment history is one. Thoroughly check the terms and conditions on your credit card to avoid nasty surprises…. Read more

A Part IX, or Debt Agreement is a means to compromise your current repayments on unsecured debts so that they are included within one package.   It is NOT a loan, just a re-negotiated way to repay your debts and avoid Bankruptcy.  It is initially put forward as an offer to your Creditors, who will… Read more