We offer a helping hand when times get tough and are committed to helping anyone with debt problems.

We understand the stress, sleepless nights and worry you may be going through and take a unique approach to your personal circumstances by offering expert, personalised advice and practical solutions to your specific debt problems that can minimises long-term financial hardship and difficulties.


There are many reasons why many Australians are waking up in the middle of the night worrying about their financial issues and debts. We can help take the stress away and find you a solution to get your financial life back on track.

Have you lost your job and need help paying your debt?

Has your business failed leaving you to pay its debts?

Are you borrowing against your home to pay monthly debts hoping things will improve in time?

Are you plagued by calls and correspondence from creditors demanding payment?

Are you putting off seeking help because of fears that you will damage to your reputation believing that a formal debt agreement is your only option?

Have you received a judgment or legal notice and don’t know what to do next?

Informal Arrangements?

If you can no longer pay your debts or are struggling to pay your debts off and on a timely basis, an informal payment arrangement may be your best option for you. An informal payment arrangement is similar to a formal debt agreement, but is not considered an act of bankruptcy.

Once a debt arrangement has been reached with your creditors, more times than not creditors will agree to put a sop/freeze account keeping fees, late fees and interest, not to mention put a stop from creditors from calling every other day. This means your informal payment arrangement will not go on record or negatively affect your credit file. It’s a positive way to settle debt with your creditors, ensuring that everyone is happy with the final outcome.

How we help you with Informal Arrangements?

Your assigned Visage team member will negotiate on your behalf with your creditors, creating an informal payment agreement that results in a regular and affordable payment plan.

pause all future interest charges;

consolidate your outstanding amounts;

accept a reduced debt settlement.

not record any details of arrangement on credit file


Negotiating your debt with your creditors is one of the simplest and most effective ways to regain control over your financial worries. With our negotiation team on your side, we can potentially reduce your total debt repayment by up to 50%. The Visage team deals with hundreds of creditors including banks, finance companies, and credit card providers on an ongoing basis; so we know the approval process required to get negotiations accepted quickly and without hassle for you.


Firstly, we analyse your financial ability to pay off the debt. We do not recommend you offer more than the amount you can afford to pay.

2. Inform Creditors

We’ll deal directly with all your assigned creditors and put together a settlement proposal, taking your individual financial circumstances into account.


We will then  negotiate the debt amount and terms to pay back your creditors. Whether it’s a single debt settlement payout or a weekly, fortnightly or monthly payment, we’ll help you put together a customised payout plan.


Once your creditors have accepted your new payment plan, including the total payment and duration, you’ll begin to make payments and regain control over your financial future.



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