Clear Guidance

Life is too short to stress about debt. You focus on Living - We'll take the pressure off.

We step in, handle the hard parts, and help you move forward with clarity and confidence.

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Debts can be overwhelming

Debts can build up quickly and become difficult to manage, especially when multiple accounts and financial pressures start competing for your attention. Recognising the early signs of strain is the first step toward regaining control.

Multiple debts across different lenders

Overdue amounts creating added pressure

Difficulty keeping track of what needs attention first

How we help you regain control

We review your debts, assess your situation, and work with you to explore realistic options. Whether it’s negotiating with lenders, addressing incorrect listings, or finding a more manageable way forward, our goal is to simplify the process and reduce financial pressure.

Explore your options

A clearer path toward financial stability

Here’s how we support you through each stage of the process.

STEP 01 — We review your situation

We take a look at your debts, overdue accounts, credit concerns, and overall financial position to understand what you're dealing with.

STEP 02 — We identify your options

Based on your circumstances, we outline possible options, including negotiation, credit corrections, and structured repayment solutions.

STEP 03 — We guide you through the process

You receive clear explanations and support while we communicate with lenders, address issues, and help manage the steps involved.

STEP 04 — We help you work toward a better financial position

With a clearer plan and ongoing guidance, you can move forward with confidence and a more manageable approach to yourdebts.

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The difference clear guidance can make

When debts are structured properly and you know exactly what steps to take, day-to-day financial stress often becomes more manageable. Our role is to help simplify the process and give you a clearer picture of your situation.

Better understanding of your overall debt position
Clearer priorities for what needs attention first

Greater confidence making decisions about your next steps

Clarity around your debts

75%

Confidence in your next steps

68%

Improved organisation & budgeting

70%

Frequently asked questions about our services

Find clear answers to common questions about our services, helping you understand features, benefits, and support options easily.

How does pricing work?

Our pricing is flexible, based on features and team size, ensuring value for every business.

What makes you different?

We stand out with smart automation, seamless UX, and dedicated support for better results.

Do you offer support?

Yes, we provide 24/7 expert support via chat, email, and calls to assist you anytime.

Frequently asked questions about our services

What services does Clear My Debts provide?

At Clear My Debts, we help you understand your financial position and make informed decisions about the credit and debt options available to you.
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Our role is to provide credit assistance, which includes:
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- 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.

Can you help if I have multiple debts or overdue payments?

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.

Do I need to have a certain amount of debt to work with you?

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.

Will using your service affect my credit score?

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.

What does the process look like from start to finish?

Our process is designed to be simple and stress-free:
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‍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.

What information do I need to get started?

Usually, we only need a few details to begin, such as:
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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.

How long does the process usually take?

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.

What are the fees for your services?

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.

What if I’m already behind on payments?

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.

Can you help me understand my credit report?

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.

Is Clear My Debts licensed to provide credit assistance?

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.

Do you work with all lenders?

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.

What results should I expect?

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.