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Start your debt-free journey today.

Break Free from Debt

Our Angels are standing by to have a confidential, friendly chat with you, judgement-free and 100% solution- focused, to discuss where you’re currently at financially and the options available to you to set you on the path to financial freedom. 

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    Top Client-Rated

    Debt Solution Agency

    We help people dramatically reduce their debt obligation and become debt-free. Since 2015, we have helped our clients save over $15 million dollars.

    Debt Angel Solutions offers you a friendly, compassionate, and trustworthy debt solution to help you break free from debt and provide you with a clear path to financial freedom. We do this in 3 steps!

    "Debt Angel Solutions are great to deal with. Very compassionate, capable and friendly staff. Can only recommend them if you need some angels next to your side."

    Founder of Debt Angel Solutions, Kitty Thomas, features in the new Brand Story UNSPOKEN.

    Meet the person behind the company that is transforming the conversation around debt and her powerful story from crippling debt to financial freedom and why she believes everyone has the fundamental right to live without the burden of unmanageable debt.

    Debt is the UNSPOKEN conversation – a topic that brings to the surface feelings of shame, embarrassment and anxiety. Like all things that hide in the dark, when you shine a light on debt, it becomes less scary and more manageable.

    Kitty shares her personal story of overwhelming debt and how she was shocked to discover alternative debt solutions that nobody was talking about when it comes to Debt Negotiation, Debt Management and Debt Reduction, secrets the banks don’t tell people about and how she used these strategies to break free from debt and reclaim her life.

    "The Debt Angel Solutions team have been very attentive, respectful and professional while helping me through some challenges. I am very pleased with the communication, customer service and final outcome of our partnership. Thank you Debt Angel Solutions!"
    Lahaina Daudt - Client Testimonial
    Lahaina Daudt
    QLD - Debt Angel Client

    Consultation

    Strategy & Solution

    Debt Freedom

    : Don't let debt control your life. Ready to explore an effective alternative to debt consolidation?

    Searching for a Debt Consolidation Loan?
    Ready to explore an effective alternative to debt consolidation?

    Contact us today for a free consultation and discover how our debt negotiation approach can be an alternative to debt consolidation and save you time, money and mental anguish and help you achieve true financial freedom.

    Testimonials

    What Our Clients Say

    The Debt Angel Solutions team have been very attentive, respectful and professional while helping me through some challenges. I am very pleased with the communication, customer service and final outcome of our partnership. Thank you Debt Angel Solutions!
    Kitty is an unexpected gift from heaven and certainly earned her wings with her company Debt Angel Solutions! She is the most compassionate person, guiding you through your options, never pressuring you and understanding exactly where you are emotionally.
    This is not just a debt solution organisation, rather it is an organisation committed to making a difference to anyone who reaches out to them...Thank you Kitty for being so generous with your time and listening, you truly are an Angel.
    As Seen In
    Personal LOan Debt Solutions and alternative to debt consolidation in Australia

    Don't let Personal Loan Debt control your life.
    Explore a smarter alternative to personal loan consolidation

    Contact us today for a free consultation call and see how our informal debt agreements can help you manage your loans better, regardless of the lender or loan type

    Ready To Start Living Free From Debt?

    Start here today!

    Jump-start theprocess by completing our online debt assessment questioner.

    Start Your Debt Assessment Questioner online!

    What we have to offer

    Our Values

    Compassionate
    Resolution Team

    We are warm and strong, firm 
    and kind.

    Integrity
    Debt Negotiation

    Our word is our promise,
    we conduct ourselves ethically.

    Collaborative
    Debt Management

    Solve Mounting Credit Card Debt with Informal Debt Agreement

    We work as a team to secure
    the best possible outcomes.

    Transformative
    Debt Resolution

    We shine a light, disrupt the status
    quo, and create brighter futures.

    FAQ's - Before your consultation call

    We remove the isolation associated with debt distress.

    We support you, creating space between you and your creditors, allowing you the time and space you need to breathe and truly assess your financial situation.

    Our approach is unique and highly personalised.

    We support you emotionally, negotiate on your behalf and give you the education and information you need to empower you to take back control of your financial situation and reset your life.

    Yes.

    As your authorised representative your creditors will call us instead of you. Once we have onboarded you as a client, we will ask you to sign a Letter of Authority.

    The Letter of Authority assigns Debt Angel Solutions to be the point of contact for your creditors moving forward.

    We will then continue to manage the communication process and talk to your creditors on your behalf.

    You may still receive written correspondence and statements from your creditors as you are still legally their client, however, if they do call you, simply direct them to us or let us know, and we’ll take care of it for you.

    Our years of extensive experience and expertise in working with creditors means that we can design a unique “Get Out of Debt” strategy and negotiate the best possible outcomes based on your personal situation, giving you freedom from debt distress and the associated  financial pressure.

    Our free no-obligation Consult Call assesses your situation, and we discuss a customised plan known as our “Get Out of Debt” strategy, uniquely designed to help you break free from debt once and for all.

    If you decide to use our service, you are onboarded as our client and we begin to develop your personalised “Get Out of Debt” strategy. We take on the management of your debts and become the point of contact for your creditors, giving you room to breathe and the space you need to truly focus on your financial situation and your options moving forward.

    We then work with you to develop strategies to take back control and reset your life and work towards creating a brighter future.

    Our initial Consult Call is free, and we are happy to have a conversation with anyone about their situation without any obligation.

    During the Consult Call, we assess your situation and together, see if our services are right for you. We do the maths and weigh up your situation vs the fees involved in working with us.

    Its important to note, we will not take you on as a client if the cost of using our services is more than we are able to save you. In these cases, we discuss which alternative options may be available and guide you towards them.

    Use of our service will not appear on your credit history, unlike a default or bankruptcy.

    We will work with you to ensure everything possible is done to protect your credit rating. However, we cannot guarantee how your credit score and your repayment history information will be affected by your payment history.

    Please note that legislation is in place making it compulsory for licensed credit companies to report payment activity, and late payments over 60 days past the due date will show up on your credit report.

    We highly recommend you obtain a copy of your credit history and score asap. You are entitled to request one per year for free.
    You can get your free copy via the following link:
    https://www.equifax.com.au/personal/products/my-credit-file.

    If your credit rating has already been impacted before coming to us we will work with you to understand any possible implications and what can be done about them.

    During your FREE Consult Call, together we will discuss your individual situation and help you ascertain if our service is right for you.

    We have 4 pre-requisites before taking on a new client…

    1. Debt Angel Solutions needs to be able to guarantee that we can save you more than we cost you.
    2. Clients must be coachable. Be willing to act on and listen to Debt Angel Solutions’ advice. All advice is given with a view to assist the clients to transform their situation.
    3. Clients must promise to be in / stay in communication to enable Debt Angel Solutions to do their job.
    4. Clients must be committed to achieve the outcome asap

    Rightly or wrongly, creditors and debt collectors who do this are not stepping outside the law.

    If you are out of communication with them, they are within their rights to use this avenue (and a variety of others) to attempt to contact you.

    Yes, they will likely contact family and friends in an attempt to contact you! However, they are legally not permitted to reveal details of your debt to a third party.

    For more information on how debt collectors work, visit the Australian government/ASIC website Moneysmart at:
    https://www.moneysmart.gov.au/managing-your-money/managing-debts/dealing-with-debt-collectors

    In our opinion, insolvency through Debt Agreements including Part IX  or Part X Debt Agreements and/or Bankruptcy is a last resort. In saying that, sometimes this pathway is the right choice. We highly recommend you exhaust all other avenues available to you before committing to such drastic action! Please feel free to use our FREE no-obligation Consult Call call to discuss if other options are available to you.

    We invite you to consider the consequences of choosing bankruptcy or an act of bankruptcy as there are serious and long-lasting implications. There are often high costs involved with any type of bankruptcy, and usually Debt Agreements typically require large up-front payments. Usually, the timeframes involved range from 3 – 5 years (of being bankrupt). It’s a long time to wait to move on with your life, to maybe buy a home, a car or even to access services like phone and electricity accounts.

    Being “bankrupt” and going through insolvency feels like a heavy weight on your shoulders and often keeps people in a negative “I’m bankrupt” frame of mind. Bankruptcy can affect your mental health and general wellbeing, not to mention your financial future. There could be another way available to you. For more information, please contact us for a free no-obligation Consult Call so that we can assess your individual financial situation and discuss how we can help.

    We obtain authority from you and / or your partner to act on behalf of your joint accounts if required.

    We can discuss your individual circumstances to give you clarity around who is automatically responsible for the debt.

    Sometimes an extra card issued on a credit card account doesn’t necessarily mean that the secondary cardholder is responsible for the debt.

    Each situation is assessed and managed accordingly.

    Client Case Studies & Results

    Customer Success Stories

    Read the personal stories and see the life-changing debt management and debt relief results our team has achieved for our clients.

    Paralysed to Promotion
    Elizabeth's Story

    Elizabeth came to Debt Angel Solutions with a debt of $31,578.60 which was made up of credit cards and personal loans.  She came to us stuck in a vicious debt-cycle, only paying off the interest and getting nowhere, she had no clear pathway forward. We executed her “Get Out of Debt” strategy, in which we were able to secure settlements and waivers for her debt and after only 18 months, she is now debt free.

    From Abused to Abundant
    Jennifer's Story

    Jennifer handed over her $63,000 of credit card debt for Debt Angel Solutions to manage.

    Five years after the initial conversation, she is now debt free! Her credit card debt of $63k was settled for $28,500, saving her approximately $11,000 interest a year and amazingly, this was done with no long-term impacts on her credit file.

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