Get Debt Free | Bankruptcy | Debt Consolidation | Specialist

Dear Debt Free,

I would like to thank you and your team again for all the help and understanding with our situation.  When my husband lost his job we thought that he would only be unemployed for a short time.  As time went by and the longer it was taking to find a job, we went into survival mode, using credit cards, robbing Peter to give to Paul just to get by and make ends meet.

During this time there was also 5 deaths in the family and our family dog was put down due to bone cancer in the November.  A week before Christmas, and a month after losing our family dog, our other dog was diagnosed with a tumour on her leg which would become inoperable if they didn’t operate straight away, so four days before Christmas she had the surgery.  Needless to say, we had a very depressing Christmas and new year, hoping that the new year would be better.

Our financial situation took a nose dive the longer my husband was working casual and out of permanent work.  Whilst he was working casual, he would not know sometimes until between 8pm-10pm the night before if he was working the next morning.  Sometimes by time he would find out it was too late to try and get work through another agency.

Twelve months later, he found a permanent job, but it was too late for us to pull ourselves back up financially as all the debt started to catch up with us.  Unable to sleep, we were sinking.  We were under so much stress.  It was one of the worst years of our lives and we needed help.  It looked like our only option would be to become bankrupt.

I had been doing some research on how to get out of debt when I saw an advertisement on the television advertising a company that helped people in our situation.  I called them but they didn’t seem interested in listening to our story and it made me feel that we were on our own.

I continued to research and found an advertisement on the internet for get Debt Free.  I read through all the information and found that we had a couple of avenues to explore other than becoming bankrupt.

I called them and found them to be extremely sympathetic and helpful.  They sent out a kit with all the information and an application to fill out so they could accurately assess our situation and advise what our options would be.  From that moment, for the first time I felt that there was hope for our situation.  Finally someone was listening and appeared to be interested in helping us.

Amber you took us on and told us that there was a light at the end of the tunnel even though we couldn’t see it.  You worked patiently with us while we were stressed and upset with our situation and feeling that there was no way out of it.  You advised  us that a PIA was our best option and we would be able to keep our home and not become bankrupt.

There were times that I felt things weren’t happening quick enough because we continued to sink and the calls and the letters from creditors were coming daily, but you kept reminding  us that there was a light at the end of the tunnel and each day we were getting closer to that light, even though we couldn’t see it yet.

When we met with you, and you advised us that the PIA had been approved, I felt such a relief and a weight lift off my shoulders.  It had been such a long time since I felt that way. Thanks to all the hard work that Amber and the team put in @ get Debt Free, we now have the PIA and even though we still have a long way to go, we now know that at the end of the agreed time when the PIA Is finished we will no longer have that debt.  Needless to say the phones have now stopped ringing with calls from creditors.

Amber, thanks to you we can finally sleep and see a future.  When you and Anthony (our Controlling Trustee) announced that the PIA had been approved, I could finally see the tunnel with you at the end of it showing us that there was such a bright light, and from that moment on our lives would change.  Just like you told us it would.

We would highly recommend you to anyone that has found themselves in the same situation as us and tell them that there are not on their own and to seek help.

Thankyou again Debt Free

Trish

I would like to thank Get Debt Free for all their help. Get Debt Free helped me avoid bankruptcy and helped me getting my life back on track through a Debt Agreement. Get Debt Free is a very professional organization which listened and I found easy to approach. I could never imagine my life without debt and thanks to Get Debt Free I can now live my life.

I would like to thank Jack, for your help for the past 5 years. You have always been approachable and professional. You have managed to answer any questions that I or my wife have had. I would not be in the position that I am today if it was not for Jack and Get Debt Free. My finances were pretty grim and I’m not sure where I would have gone or done.

My Wife and I would like to thank the team at Get Debt Free for all their help and assistance. We can now enjoy financial freedom!

Simon

‘My name is Jeff and I am an office Manager working in Sydney. Three years ago my life was ‘grey’ with 5 credit cards, a Bank personal loan and a well known Finance Company Debt preventing me from sleeping, enjoying life and having a strong relationship.

I worked so hard to earn a good salary only to see very little of it left on payday each month. The Banks and Finance Company got it all and to make matters worse, the debts only reduced marginally each month due to the high interest rates charged and the size of the debts – I was running on the same blade of grass

I contacted Get Debt Free and was introduced to one of the  Debt Advice Specialists, Mr Jack Panaghis. The service I received from Jack was excellent and to be quite honest, it was difficult to believe that they could do what they said was possible. Today, 3 years later, they proved me wrong and all my commitments with the outstanding loan companies no longer exist.

Don’t waste another hour –call them and speak to one of their very friendly, well trained and understanding staff and START LIVING AGAIN.

JD – Sydney’

Day after day, Year after year we tried to maintain payments to our creditors as were trapped in a cycle of debt. We were receiving constant telephone calls and letters requesting to pay more than we could afford. After being blinded by the drowning of debt for so long we woke up one morning and decided enough is enough. It was time to take control of our financial situation. We had worked too hard and battled for so long to end up being prisoner’s to bankruptcy which we were starring straight down the barrel of and to lose the house which we were hanging onto by a thread.

After searching the internet in a moment of desperation looking for solutions we came across Debt Free. After reading their website we decided to give them a call. I spoke to who I consider an angel from up above by the name of “Amber” who gave me professional advice and options I was not aware of.

Bankruptcy was the only solution as far as we knew but after a few discussions with Debt Free, the best solution for us was a Personal Insolvency Agreement thus avoiding the dreaded bankruptcy.

After a lot of hard work from the Debt Free team we finally entered into a Personal Insolvency Agreement which was tailored to suit our situation allowing us to make one monthly payment to our creditors which we can afford and still have enough left to pay the mortgage and other bills and more importantly start living life again. We no longer have the constant stress and we get to keep our house.

I highly recommend Debt Free to anyone experiencing debt related problems. The staff is caring, professional, understanding and more importantly have the knowledge and skills to get you out of the cycle of debt. Debt Free will always keep you informed and provide you with accurate information. When they battle for you a win-win outcome is the only solution giving you complete confidence in their ability.

So instead of wondering what can be done just Debt Free it.

A&K

“I have been a client of Get Debt Free for some time now, specifically with Jack Panaghis. I am a firm believer in giving praise where it is due.

I have been in business for many years and due to some difficult times required your services. Jack has been my contact since inception and I wish to let you know that the service provided and attention given to my wife and I by Jack can only be described as well above the required. Nothing appears to hard for him and contact with him is just so easy.

Thanks to Jack and your Company, I am now back on track looking forward to a safe and secure retirement in 15 years.

I am prepared to give this testimony to any prospective clients you may wish to give my details.

Again thank you and please pass on to Jack our thanks.

With Kind Regards Greg”

Life had become difficult. Sleepless nights, panic attacks whenever the phone rang, dizziness on receipt of threatening letters and invoices of ever increasing debt, short tempered and snapping at everyone around me. These were some of the nasty symptoms  I experienced as a result of my inability to maintain repayments to all the creditors since losing my stable high-income job of several years which literally ended overnight with no warning or compensation. The carefree careless high-life very quickly became the anxious desperate low-life.

One day, feeling helpless and depressed, I bought a newspaper for distraction. I stumbled on an advertisement which jumped out at me – “Get Debt Free” it proclaimed. “Call us now to discuss how we can help” it encouraged. My sleepless nights, panic attacks, dizziness, short temper, anxiety, helplessness and depression ended the moment I called to Get Debt Free. The friendly, genuinely interested and professional staff at Debt Free gave me options I was not aware of. Bankruptcy was the only solution as far as I knew but after discussions with Debt Free, the best solution for me was a Personal Insolvency Agreement thus avoiding the dreaded bankruptcy. Debt Free submitted my Personal Insolvency Agreement to my creditors for their approval and the day they did, my life changed. I was in control again. It allowed me to make affordable monthly payments moreover; it abruptly ceased all threatening correspondences from the creditors and froze their crippling interest charges. If I had not dragged my sorry self out of the house and bought that blessed newspaper, I would be bankrupt and homeless now.

I highly recommend Debt Free to anyone experiencing debt-related bewilderment and stress. The staff are genuinely caring, helpful, trustworthy and more importantly, they have the knowledge and skills to get you out of that debt hell-hole you are in. Debt Free will inform you of the different choices/pathways for your individual situation where you can have an input into the process. Debt Free will empower you by providing accurate information and relevant options for your consideration. Debt Free will support you throughout the process and you will feel relieved as I did, that someone on the same level-playing-field as your creditors is batting for you. Debt Free went in to bat for me and turned it into a win-win situation. They can do that for you too.

I am enormously grateful to the staff of Debt Free as they saved me and my children from bankruptcy and losing our home. As a consequence of this experience, I have become a debt-free consumer and a much smarter financial operator. The only way is up from here. Thank you Debt Free for your professional people-centered service.

SAG

I had tried to maintain payments to my creditors, but found myself struggling to meet the minimum payments.

I found myself in a situation where I didn’t know where to turn for help and I was receiving constant telephone calls requesting me to pay more than I could afford and I was convinced perhaps Bankruptcy would be my only option.

After seeing an advert I contacted Debt Free concerning my financial difficulties. Debt Free was able to give me the advice and support I needed to avoid Bankruptcy and find the best solution for my circumstances.

I entered into a Personal Insolvency Agreement which has allowed me to pay one monthly amount to my creditors which I can afford and I still have enough left to pay my bills and live my life. I don’t have the constant worry that I once had plus I didn’t have to go bankrupt!

I would have no hesitation in recommending Debt Free to anyone who encounters similar problems, I found them to be sympathetic and very professional.

Mr V.

Darlinghurst, Sydney