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Frequently asked questions about our services
At Clear My Debts, we help you understand your financial position and make informed decisions about the credit and debt options available to you.
Our role is to provide credit assistance, which includes:
- Reviewing your debts and credit commitments to give you a clear, accurate picture of where you stand.
- Explaining the credit options that may be available, including repayment pathways and restructuring.
- Assisting you in understanding the implications of different credit arrangements
- Supporting communication with credit providers, where appropriate, to help clarify your position or explore available options
- Helping you understand your credit report, what impacts it, and how to navigate it confidently
- Providing guidance on organising your finances so you can reduce stress and make decisions with clarity.
Our focus is on clarity, structure, and informed guidance — giving you the support you need to move forward with confidence.
Yes. Many clients come to us with several debts across different lenders. We help you organise all the information into one clear overview and outline the options that may apply to each debt — including repayments, hardship options, and steps that may reduce financial pressure. Our goal is to help you feel in control, even if things feel overwhelming right now.
No minimum amount is required. Whether you have a small balance that’s getting hard to manage or multiple high-interest debts, we can help you understand your position and explore the options available.
Working with Clear My Debts does not directly affect your credit score. However, some options we may discuss can have credit score implications. Our role is to help you understand these impacts clearly so you can make informed decisions.
Our process is designed to be simple and stress-free:
Initial review: We gather information about your debts and financial situation.
Assessment: We organise everything into an easy-to-understand overview.
Guidance: We outline the available options and steps based on your circumstances.
Support: We assist with communication to lenders and provide ongoing guidance.
Every situation is different, so the pace and direction depend on your needs.
Usually, we only need a few details to begin, such as:
Statements or account summaries
Overdue notices (if you have them)
Your current repayment commitments
Any communication from lenders
If you’re unsure or don’t have everything, we’ll guide you through gathering the rest.
There is no fixed timeline, because every person’s financial situation and lenders are different. Some clients receive clarity very quickly; others prefer a slower, more guided process. We move at your pace and keep you informed at every step.
Our fees depend on the type of assistance you choose. We explain all costs upfront before any service begins — no hidden charges, no unexpected fees. You only pay for services you agree to, and there is no obligation to proceed if you decide not to.
You’re not alone — many clients contact us at this point. We help you understand your position, explore the options available, and support you in communicating with lenders where needed. The earlier you reach out, the more options you often have.
Yes. We can walk through your credit file with you, explain what each section means, and highlight any areas that may require attention. Understanding your credit report is often the first step toward regaining financial control.
Yes. We hold an Australian Credit Licence, which means we operate under strict regulatory obligations, including responsible conduct, transparency, and clear communication. This ensures you receive guidance that meets industry standards and protects your interests.
We assist clients regardless of who the lender is. Our focus is on helping you understand your position and the options available — no matter where your debts are held.
Every financial situation is unique, and outcomes vary. Our role is to provide clarity, structure, and guidance so you can make informed decisions and feel more in control of your debt situation.