Frequently Asked Questions & Resources

Honest answers to what we can do for you

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Kitty Thomas Debt Angel Solutions Free Consult Call

Before Your Consult 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.


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:

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

We suggest you don’t just take our word for it and have a read of our testimonials and case studies and see what other people who have been through similar experiences and become clients of Debt Angel Solutions have to say about us and our service.

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:

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.

Participation, commitment, and communication.

We work very closely with our clients, and we ask for a commitment to allow us to coach them, honesty and timely communication. In turn, you can expect the same from us.

We need you to stay in contact with us and provide us with the information we need, so that we can work effectively on your behalf. We will request documentation and information at various stages of the process. Put simply, if you are not in communication with us, we can’t do our job.

This process also works best when you are open to listening and learning from our expertise and experience.

Our Debt Angels work purposefully with a commitment to work with you to transform your situation throughout the process of your “Get Out of Debt” strategy and we expect the same commitment from our clients. Working with us, being open to coaching and applying it to your life, guarantees the best possible results for you.

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.

The power of debt negotiation

Debt Negotiation

Debt negotiation is a process of negotiating with creditors to reduce the amount of debt owed. This can be done by negotiating a lower interest rate, a lower balance, or a combination of both.

Debt negotiation works by negotiating with creditors to reduce the amount of debt owed. This can be done by negotiating a lower interest rate, a lower balance, or a combination of both. Once an agreement has been reached, the debtor will make payments to the creditor until the debt is paid off.

What are the benefits of debt negotiation? The benefits of debt negotiation include reducing the amount of debt owed, lowering interest rates, and avoiding bankruptcy.

The risks of debt negotiation include damaging your credit score, being sued by creditors, and having to pay taxes on any forgiven debt.

The length of time it takes to negotiate debt depends on the amount of debt owed, the number of creditors involved, and the complexity of the case. It can take anywhere from a few months to a few years to complete the process.

The cost of debt negotiation varies depending on the company you choose to work with. Some companies charge a flat fee, while others charge a percentage of the amount of debt that is settled.

Debt negotiation may be right for you if you have a significant amount of debt that you are struggling to pay off. However, it is important to consider the risks and benefits of debt negotiation before deciding if it is the right option for you.

Additional information and resources in your time of need

Our financial situation can and does have a drastic impact on our mental health and well-being. Which in turn can play out in many forms such as illness, disease, depression, anxiety, addiction, paralysis by analysis…

Everyone is different, we all seek refuge from financial pressure in different ways.

Some turn to drugs and alcohol, while others turn to gambling or pornography. Others use retail therapy or watch mind-numbing TV or spend days scrolling the internet and playing mindless games on their phone to numb themselves from their reality. These kinds of avoidance tactics can and do go on for years non-intentionally, simply because people don’t know what to do or how to transform their situation.

We have listed some resources you might like to consider contacting, should you be concerned about your state of mind or that of someone you love, or you are looking for additional assistance.

Should you wish to discuss what solutions, we see possible for you and your individual situation, you can always book a FREE Consult Call with one of our Angels.

Alternatively, we encourage you to reach out to one of our trusted resources below that you feel might be able to be of assistance to you in your time of need.

Beyond Blue | 1300 22 4636 |  Website
Black Dog Institute | Website
Lifeline | 13 11 14 |  Website
1800RESPECT | 1800 737 732 | Website
MensLine Australia | 1300 78 99 78 | Website
Suicide Call Back Service | 1300 659 467 | Website
Open Arms – Veterans & Families Counselling | 1800 011 046 | Website
Qlife – Aanonymous and Free LGBTI Peer Support | 1800 184 527 (3PM – Midnight every day) | Website
The National Indigenous Postvention Service – After Suicide Support 24/7 | 1800 805 801 | Website
Brother to Brother – 24-hour crisis line | 1800 435 799 | Website
Relationships Australia | Website
Men of League | Website
Headspace | Website
NSW Mental Health Line | 1800 011 511 | Website

There is so much information regarding finances on the internet that it can be hard to figure out what to believe, especially when your head is scrambled with the stress and pressure of it all. Government websites often have the most up to date and trustworthy information regarding consumer finance. The government also offer free helplines if you want to discuss your individual financial situation.

Money Smart | Website
Australian Financial Security Authority (AFSA) | Website
National Debt Helpline | 1800 007 007 | Website
Financial Rights Legal Center | Website
Fair Work Australia | Website

Problems with your finances can have a HUGE impact on your relationships, and in turn relationship issues can and often do have unexpected  and all-consuming consequences on your financial situation, sometimes leaving people stranded in relationships that don’t serve them. If you’re struggling with your finances as a result of relationship issues or feel trapped in a relationship as a result of being in debt, financial abuse and or domestic violence, here are some awesome services that are there to help.

Relationships Australia | 1300 364 277 | Website
Domestic Violence 1800RESPECT | 1800 737 732 | Website
Council of Single Mothers and their Children | Website
Lone Fathers Association of Australia | Website
Div-ide – Financial Separation Services | Website
Beanstalk Mums (Single Mums Resource and Support) | Website

Getting your finances in order can seem daunting, especially when you don’t know what you are doing and are feeling ashamed, guilty, or embarrassed and don’t know who to trust.

At Debt Angel Solutions, we believe that getting your finances on track isn’t just about managing your day-to-day expenses or paying down your debts. if you are not on top of your tax, mindset, addictions, budgeting and expenditure or future planning etc then reaching your goal will be much harder to accomplish.

Over the years, we have met several experts in their fields, we have a personal relationship with everyone we have listed below and know they operate in line with how we do at Debt Angel Solutions. Coaching and guiding, in the direction of what is best for the client.

As such we would like to introduce you to our trusted partners who we know and trust to handle you and your situation with care, authenticity, and integrity.

 NB: It is important to note, we receive NO financial renumeration from any of these people or companies.

Div-ide – Financial Separation Services | Website
Beanstalk Mums (Single Mums Resources and Support) Website
Get My Refund | Website | (02) 9156 1000

Going up against the banks, if you feel wrongly done by, alone is tough, especially if you feel they have made a mistake, and they don’t agree. We’ve listed below some consumer advocate services who you can contact to raise  a complaint or dispute decisions you feel are incorrect.

Australian Financial Complaints Authority  (AFCA) | 1800 931 678 | Website
Telecommunication Industry Ombudsman (TIO) | 1800 602 058 | Website
Energy & Water Ombudsman | Website
Financial Rights Legal Centre (Insurance Law Service) | 1300 663 464 | Website

During the Royal Commission into Banking, it was found that some banks and lenders were seen to take advantage of consumers by including unnecessary add-ons and services to loans which have since been deemed of poor value to consumers. From the outcome of recent judgements made in the courts, you can now claim a refund for many of these unnecessary services or add-ons. Click the link below to find out if you are eligible or check out the know your rights website.

Demand A Refund | Website
Fair Work AustraliaWebsite

The Salvation Army | 1300 371 288 | Website
Food and Financial Assistance – Anglicare
Lifeline 13 11 14 | Domestic Violence 1800 737 732 | Link2home Homelessness 1800 152 152 | Website
NSW Energy Accounts Payment Assistance (EAPA) | Website

Small Business Debt Helpline | 1800 413 828 |  Website

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