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  • What is a Debt Consolidation Loan? | Australian Debt Reduction
    loan Usually a debt consolidation loan is an unsecured loan so generally no security is required by you What fees are involved in a debt consolidation loan Most debt consolidation loans have no ongoing fees and no early repayment fees Though an establishment fee may be payable What do I need to know about applying for a debt consolidation loan When applying for a debt consolidation loan you need to be careful and to be fully informed Make sure You fully understand what you are doing The solution will be of real benefit to you and not just a short term fix You have achieved control over your debts Your repayments will be reduced and not increased You are fully informed of the consequences of the steps you are taking There are no hidden costs within the debt consolidation loan You are better off as a result of the solution you have chosen Australian Debt Reduction may be able to assist you through our relationship with lenders with a debt consolidation loan Our staff are available to assist you immediately with any questions you may have about debt consolidation Contact us on 1300 219 232 Articles Informative articles about reducing your debt and how debt consolidation may be of assistance to you What is Debt Consolidation Why use Debt Consolidation Debt Consolidation vs The Rest Tips to Reduce Your Debt Reducing your Credit Card Debt All Financial Articles FREE Debt Assistance Enquire Online Now Request a call back Request a call back Unsecured Debt Please Select Less Than 7 000 Greater Than 7 000 Credit cards store cards and personal loans are types of unsecured debts Mortgages and car loans are not First Name Mr Mrs Ms Miss Surname Mobile Email Postcode No obligations Just a better understanding Credit Card Calculator This calculator will show you how long it will take you to pay off your credit card debt at your current rate of repayment Total amount you owe Your current average interest rate Your current monthly repayments Total interest you will pay Months until credit card is paid off Years until credit card is paid off A debt consolidation loan may assist you with paying off your credit cards with a lower interest loan or a lower monthly repayment A debt consolidation loan can help you better manage your debt and save you money This calculator is only to be used as a guide Home Debt Solutions Get Quote Calculators About Us Contact Us Popular Pages Debt Consolidation Mortgage Refinance Debt Agreements Bankruptcy Prevention Debt Reduction Articles Credit Card Debt How to Reduce Debt Alternatives to Debt Consolidation Loans What is Debt Consolidation Benefits of Debt Consolidation Free Call 1300 219 232 Copyright 2004 2015 Australian Debt Reduction com au ABN 35 091 225 357 Australian Credit Licence Number 393280 All Rights Reserved Privacy Policy Disclaimer Close Online Enquiry Form Please answer all the questions below Do you have a home loan Yes No Do you have unsecured debts

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  • Benefits of Debt Consolidation | Australian Debt Reduction
    Debt Consolidation vs The Rest Tips to Reduce Your Debt Reducing your Credit Card Debt All Financial Articles FREE Debt Assistance Enquire Online Now Request a call back Request a call back Unsecured Debt Please Select Less Than 7 000 Greater Than 7 000 Credit cards store cards and personal loans are types of unsecured debts Mortgages and car loans are not First Name Mr Mrs Ms Miss Surname Mobile Email Postcode No obligations Just a better understanding Credit Card Calculator This calculator will show you how long it will take you to pay off your credit card debt at your current rate of repayment Total amount you owe Your current average interest rate Your current monthly repayments Total interest you will pay Months until credit card is paid off Years until credit card is paid off A debt consolidation loan may assist you with paying off your credit cards with a lower interest loan or a lower monthly repayment A debt consolidation loan can help you better manage your debt and save you money This calculator is only to be used as a guide Home Debt Solutions Get Quote Calculators About Us Contact Us Popular Pages Debt Consolidation Mortgage Refinance Debt Agreements Bankruptcy Prevention Debt Reduction Articles Credit Card Debt How to Reduce Debt Alternatives to Debt Consolidation Loans What is Debt Consolidation Benefits of Debt Consolidation Free Call 1300 219 232 Copyright 2004 2015 Australian Debt Reduction com au ABN 35 091 225 357 Australian Credit Licence Number 393280 All Rights Reserved Privacy Policy Disclaimer Close Online Enquiry Form Please answer all the questions below Do you have a home loan Yes No Do you have unsecured debts of 7 000 or greater Credit cards store cards and personal loans are types of unsecured debts Mortgages and car

    Original URL path: http://www.australian-debt-reduction.com.au/benefits-of-debt-consolidation (2015-11-27)
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  • Alternatives to Debt Consolidation Loans | Australian Debt Reduction
    one convenient payment where you may end up paying less per month than you currently are In many ways it is similar to debt consolidation Conclusion Whatever remedy you choose to resolve your debt problems you need to be careful and to be fully informed Make sure You fully understand what you are doing The solution will be of real benefit to you and not just a short term fix You have achieved control over your debts Your repayments will be reduced and not increased You are fully informed of the consequences of the steps you are taking There are no hidden costs You are better off as a result of the solution you have chosen If you have any questions about debt consolidation or the other options mentioned above our staff are available to assist you immediately Contact us on 1300 219 232 Articles Informative articles about reducing your debt and how debt consolidation may be of assistance to you What is Debt Consolidation Why use Debt Consolidation Debt Consolidation vs The Rest Tips to Reduce Your Debt Reducing your Credit Card Debt All Financial Articles FREE Debt Assistance Enquire Online Now Request a call back Request a call back Unsecured Debt Please Select Less Than 7 000 Greater Than 7 000 Credit cards store cards and personal loans are types of unsecured debts Mortgages and car loans are not First Name Mr Mrs Ms Miss Surname Mobile Email Postcode No obligations Just a better understanding Credit Card Calculator This calculator will show you how long it will take you to pay off your credit card debt at your current rate of repayment Total amount you owe Your current average interest rate Your current monthly repayments Total interest you will pay Months until credit card is paid off Years until credit card is paid off A debt consolidation loan may assist you with paying off your credit cards with a lower interest loan or a lower monthly repayment A debt consolidation loan can help you better manage your debt and save you money This calculator is only to be used as a guide Home Debt Solutions Get Quote Calculators About Us Contact Us Popular Pages Debt Consolidation Mortgage Refinance Debt Agreements Bankruptcy Prevention Debt Reduction Articles Credit Card Debt How to Reduce Debt Alternatives to Debt Consolidation Loans What is Debt Consolidation Benefits of Debt Consolidation Free Call 1300 219 232 Copyright 2004 2015 Australian Debt Reduction com au ABN 35 091 225 357 Australian Credit Licence Number 393280 All Rights Reserved Privacy Policy Disclaimer Close Online Enquiry Form Please answer all the questions below Do you have a home loan Yes No Do you have unsecured debts of 7 000 or greater Credit cards store cards and personal loans are types of unsecured debts Mortgages and car loans are not Yes No Do you receive a regular income Yes No Have you been bankrupt in the last 13 years Yes No Submit Answers Please answer all the questions

    Original URL path: http://www.australian-debt-reduction.com.au/alternatives-to-debt-consolidation-loans (2015-11-27)
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  • Tips on How to Reduce Debt | Australian Debt Reduction
    may apply Interest Free No repayment Store Cards Marketed widely by many large retail stores consumers can purchase goods today and not pay interest for say 12 months or alternatively make no repayments for say 12 months Provided you pay for the goods in full within the specified time frame they can be beneficial to consumers Once the honeymoon period has expired these accounts attract high interest rates often exceeding 20 per annum Once you have selected the credit facility that best suits your needs shop around as the fees and charges can vary significantly from one lender to another Make sure you have read the terms and conditions of the credit facility and don t be afraid to ask questions Once the facility is in place resist the temptation of unsolicited requests to increase your existing credit limit Similarly avoid having multiple credit accounts as it becomes increasingly more difficult to keep track of your spending and manage multiple regular payments Always make sure that you pay the minimum of your account each month to avoid hefty late fees Your priority should always be to reduce the account balance on the facility with the highest interest rate fees and charges Make sure that your credit facility does not reach its limit as you may need to use it in the case of an emergency or for unforseen expenses If you are having difficulty servicing your credit facility seek independent assistance before the creditor commences recovery proceedings or lists a credit default against your credit file If you have questions on how to help reduce your debt our staff are available to assist you immediately on 1300 219 232 Articles Informative articles about reducing your debt and how debt consolidation may be of assistance to you What is Debt Consolidation Why use Debt Consolidation Debt Consolidation vs The Rest Tips to Reduce Your Debt Reducing your Credit Card Debt All Financial Articles FREE Debt Assistance Enquire Online Now Request a call back Request a call back Unsecured Debt Please Select Less Than 7 000 Greater Than 7 000 Credit cards store cards and personal loans are types of unsecured debts Mortgages and car loans are not First Name Mr Mrs Ms Miss Surname Mobile Email Postcode No obligations Just a better understanding Credit Card Calculator This calculator will show you how long it will take you to pay off your credit card debt at your current rate of repayment Total amount you owe Your current average interest rate Your current monthly repayments Total interest you will pay Months until credit card is paid off Years until credit card is paid off A debt consolidation loan may assist you with paying off your credit cards with a lower interest loan or a lower monthly repayment A debt consolidation loan can help you better manage your debt and save you money This calculator is only to be used as a guide Home Debt Solutions Get Quote Calculators About Us Contact Us Popular

    Original URL path: http://www.australian-debt-reduction.com.au/tips-on-how-to-reduce-debt (2015-11-27)
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  • How to Reduce Your Credit Card Debt | Australian Debt Reduction
    for your limit to be reduced Perhaps you should even consider cutting up your card Do not forget to pay at least the minimum amount each month Credit institutions impose severe penalties for missed payments and this may also result in an increased default interest rate Impose an accelerated payment plan on your credit card with the highest interest rate fees and charges This will eventually reduce your monthly interest component to assist you to become debt free faster Explore other lending options with interest rates fees and charges lower than those on your existing credit card facilities This may include a personal loan or a mortgage consolidation if you are a home purchaser and have sufficient equity available in your property If you are having difficulty maintaining your credit card payments advise the institution immediately You may qualify for seeking a variation of the agreement on hardship grounds You may be successful in receiving a moratorium or they may elect to reduce their interest to assist you overcome a difficult period If you have any questions on credit card debt or on avenues you can pursue to lower it please contact us on 1300 219 232 Our staff are available to assist you immediately Articles Informative articles about reducing your debt and how debt consolidation may be of assistance to you What is Debt Consolidation Why use Debt Consolidation Debt Consolidation vs The Rest Tips to Reduce Your Debt Reducing your Credit Card Debt All Financial Articles FREE Debt Assistance Enquire Online Now Request a call back Request a call back Unsecured Debt Please Select Less Than 7 000 Greater Than 7 000 Credit cards store cards and personal loans are types of unsecured debts Mortgages and car loans are not First Name Mr Mrs Ms Miss Surname Mobile Email Postcode No obligations Just a better understanding Credit Card Calculator This calculator will show you how long it will take you to pay off your credit card debt at your current rate of repayment Total amount you owe Your current average interest rate Your current monthly repayments Total interest you will pay Months until credit card is paid off Years until credit card is paid off A debt consolidation loan may assist you with paying off your credit cards with a lower interest loan or a lower monthly repayment A debt consolidation loan can help you better manage your debt and save you money This calculator is only to be used as a guide Home Debt Solutions Get Quote Calculators About Us Contact Us Popular Pages Debt Consolidation Mortgage Refinance Debt Agreements Bankruptcy Prevention Debt Reduction Articles Credit Card Debt How to Reduce Debt Alternatives to Debt Consolidation Loans What is Debt Consolidation Benefits of Debt Consolidation Free Call 1300 219 232 Copyright 2004 2015 Australian Debt Reduction com au ABN 35 091 225 357 Australian Credit Licence Number 393280 All Rights Reserved Privacy Policy Disclaimer Close Online Enquiry Form Please answer all the questions below Do you have

    Original URL path: http://www.australian-debt-reduction.com.au/credit-card-debt (2015-11-27)
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  • Debt & Finance Related Articles | Australian Debt Reduction
    Debt Assistance Enquire Online Now Request a call back Request a call back Unsecured Debt Please Select Less Than 7 000 Greater Than 7 000 Credit cards store cards and personal loans are types of unsecured debts Mortgages and car loans are not First Name Mr Mrs Ms Miss Surname Mobile Email Postcode No obligations Just a better understanding Credit Card Calculator This calculator will show you how long it will take you to pay off your credit card debt at your current rate of repayment Total amount you owe Your current average interest rate Your current monthly repayments Total interest you will pay Months until credit card is paid off Years until credit card is paid off A debt consolidation loan may assist you with paying off your credit cards with a lower interest loan or a lower monthly repayment A debt consolidation loan can help you better manage your debt and save you money This calculator is only to be used as a guide Home Debt Solutions Get Quote Calculators About Us Contact Us Popular Pages Debt Consolidation Mortgage Refinance Debt Agreements Bankruptcy Prevention Debt Reduction Articles Credit Card Debt How to Reduce Debt Alternatives to Debt Consolidation Loans What is Debt Consolidation Benefits of Debt Consolidation Free Call 1300 219 232 Copyright 2004 2015 Australian Debt Reduction com au ABN 35 091 225 357 Australian Credit Licence Number 393280 All Rights Reserved Privacy Policy Disclaimer Close Online Enquiry Form Please answer all the questions below Do you have a home loan Yes No Do you have unsecured debts of 7 000 or greater Credit cards store cards and personal loans are types of unsecured debts Mortgages and car loans are not Yes No Do you receive a regular income Yes No Have you been bankrupt in the

    Original URL path: http://www.australian-debt-reduction.com.au/debt-consolidation-articles (2015-11-27)
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  • Privacy Policy For Australian Debt Reduction | Australian Debt Reduction
    disclosure under Australian law We may use cloud storage to store the personal information we hold about you The cloud storage and the IT servers may be located outside Australia We may disclose your personal information to overseas entities that provide support functions to us including India You may obtain more information about these entities by contacting us Credit information We may collect the following kinds of credit information and exchange this information with credit reporting bodies and other entities credit liability information being information about your existing finance which includes the name of the credit provider whether the credit provider holds an Australian Credit Licence the type of finance the day the finance is entered into the terms and conditions of the finance the maximum amount of finance available and the day on which the finance was terminated repayment history information which is information about whether you meet your repayments on time information about the type of finance that you are applying for new arrangement information which includes information about a variation to existing liabilities default and payment information which includes payments that are more than 60 days overdue and whether they have been made personal insolvency information which is information that is entered into the National Personal Insolvency Index which relate to such things as debt agreements bankruptcy personal insolvency agreements and court proceedings information We exchange this credit information for the purposes of assessing your application for finance managing that finance discharging our functions under the Bankruptcy Act 1966 Cth or administering your debt agreement This credit information may be held by us in electronic form on our secure servers and may also be held in paper form We may use cloud storage to store the credit information we hold about you When we obtain credit information from a credit reporting body about you we may also seek publicly available information and information about any serious credit infringement that you may have committed We do not disclose your credit information overseas Notifiable matters The law requires us to advise you of notifiable matters in relation to how we may use your credit information You may request to have these notifiable matters and this privacy policy provided to you in an alternative form We exchange your credit information with credit reporting bodies We use the credit information that we exchange with the credit reporting body to assess your creditworthiness assess your application for finance manage your finance and administer your debt or personal insolvency agreement If you fail to meet your payment obligations in relation to any finance that we have provided or arranged or you have committed a serious credit infringement then we may disclose this information to a credit reporting body You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed Please see the heading Access and correction to your personal and credit information below Sometimes your credit information will be used by credit reporting bodies for the purposes of pre screening credit offers on the request of other credit providers You can contact the credit reporting body at any time to request that your credit information is not used in this way You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud For a period of 21 days after the credit reporting body receives your notification the credit reporting body must not use or disclose that credit information You can contact any of the following credit reporting bodies for more information veda com au dnb com au or experian com au Direct marketing From time to time we may use your personal information to provide you with current information about finance offers you may find of interest changes to our organisation or new products or services being offered by us or any company with whom we are associated If you do not wish to receive marketing information you may at any time decline to receive such information by telephoning us on 1300 660 032 or by writing to us at Locked Bag 29 Australia Square NSW 1215 or privacyofficer foxsymes com au If the direct marketing is by email you may also use the unsubscribe function We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity Updating your personal information It is important to us that the personal information we hold about you is accurate and up to date During the course of our relationship with you we may ask you to inform us if any of your personal information has changed If you wish to make any changes to your personal information you may contact us We will generally rely on you to ensure the information we hold about you is accurate or complete Access and correction to your personal and credit information We will provide you with access to the personal and credit information we hold about you You may request access to any of the personal information we hold about you at any time We may charge a fee for our costs of retrieving and supplying the information to you Depending on the type of request that you make we may respond to your request immediately otherwise we usually respond to you within seven days of receiving your request We may need to contact other entities to properly investigate your request There may be situations where we are not required to provide you with access to your personal or credit information for example if the information relates to existing or anticipated legal proceedings or if your request is vexatious An explanation will be provided to you if we deny you access to the personal or credit information we hold about you If any of the personal or credit information we hold about you is incorrect

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  • Australian Debt Reduction Disclaimer | Australian Debt Reduction
    Than 7 000 Greater Than 7 000 Credit cards store cards and personal loans are types of unsecured debts Mortgages and car loans are not First Name Mr Mrs Ms Miss Surname Mobile Email Postcode No obligations Just a better understanding Credit Card Calculator This calculator will show you how long it will take you to pay off your credit card debt at your current rate of repayment Total amount you owe Your current average interest rate Your current monthly repayments Total interest you will pay Months until credit card is paid off Years until credit card is paid off A debt consolidation loan may assist you with paying off your credit cards with a lower interest loan or a lower monthly repayment A debt consolidation loan can help you better manage your debt and save you money This calculator is only to be used as a guide Home Debt Solutions Get Quote Calculators About Us Contact Us Popular Pages Debt Consolidation Mortgage Refinance Debt Agreements Bankruptcy Prevention Debt Reduction Articles Credit Card Debt How to Reduce Debt Alternatives to Debt Consolidation Loans What is Debt Consolidation Benefits of Debt Consolidation Free Call 1300 219 232 Copyright 2004 2015 Australian Debt Reduction com au ABN 35 091 225 357 Australian Credit Licence Number 393280 All Rights Reserved Privacy Policy Disclaimer Close Online Enquiry Form Please answer all the questions below Do you have a home loan Yes No Do you have unsecured debts of 7 000 or greater Credit cards store cards and personal loans are types of unsecured debts Mortgages and car loans are not Yes No Do you receive a regular income Yes No Have you been bankrupt in the last 13 years Yes No Submit Answers Please answer all the questions Close Yes We can help you

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