WE CARE BECAUSE WE’VE BEEN THERE

The hardest thing to do is to ask for help. Here at Debt Cutter we understand financial problems can happen to anyone, we’re not here to judge you, we’re here to help you get out of debt and live free of financial stress.

We are confident Debt Cutter has the experience and strategic oversight to offer you truly personalized solutions tailored to your situations. This means you can focus on living your life with peace of mind knowing your debts are being sorted.

We will support you step by step to get your debt under control so you can enjoy your life again.

Our Story

Debt Cutter was founded in 2003 by Geoff and Marilyn Chester, and their son Dale. The Chester family understand extreme debt stress, and the financial uncertainty most our clients feel because they’ve been there themselves. After losing everything they had, they built Debt Cutter from the ground up so they can help other Australians get out of debt. You can read more about Geoff and Mal’s story here.

Because they’ve been through tough times, Debt Cutter understand the issues you are facing.

As a team, we’ve helped thousands of Australian’s get out of debt. Over 12 years, we’ve helped pay off over $37 million worth of debt.

There is a way out.

 GET HELP NOW

Our Core Values

  • We aim to provide clients with a caring, helpful and genuine experience that relieves them of debt related stress through collaboration with our non-judgmental and empathetic staff.
  • We ensure all of our undertakings and actions carry a high degree of honesty, Individual accountability and collective responsibility.
  • We value and encourage a culture of innovation and flexibility in delivering results for those who are under debt related stress.

 

Don’t take our word for it, here is what our clients have said.

Financial Snapshot:
  • Josephine owed $17,702.00
  • Josephine paid off her debts 2 years and 8 months earlier
  • Our solution saved her over $10,000 in interest!
Josephine like so many others struggling with crippling debt was in a desperate situation. “I couldn’t keep up with my payments and it was all just getting deeper and deeper, I had a lot of stress. Then I saw the ad for Debt Cutter on TV, I rang them straight away and they helped me out. The consultant was very informative and really helpful I had absolutely no problems going into a Debt Agreement. At the end of my Debt Agreement I got a big smile! It’s been really good, I had problems with banks a couple times and Debt Cutter sorted it all out for me. They were excellent, absolutely excellent! Debt Cutter helped me fix my finances. I’m feeling much better now and have a lot less stress! Debt Cutter is a really fantastic company and if you need any help, go ahead there’s no problem. I’d recommend them to anybody.” The above example is general in nature, and quoted savings are only true in the above example and has been calculated to the best of Debt Cutter’s ability. The solution used in the above case may not suit your specific circumstances, and savings and debt reductions are not guaranteed, it is important you talk to a debt negotiator before deciding on any solution.

Josephine like so many others struggling with crippling debt was in a desperate situation

Financial Snapshot:
  • Cathy owed $58,091
  • Debt Cutter reduced her payable debt by $5,091
  • Our solution saved her an estimated $112,577.41 in interest alone
  • Cathy will pay off her debts 11 years sooner
  • Total saved = $117,688.41
“Before going into a Debt Agreement, I was overwhelmed and stressed with my debt. I felt like I had run out of options. I had paid hundreds of dollars in credit card bills for years, but I didn’t have any sense of direction or couldn’t foresee the goal when my debt will be paid off. It seemed like my debt balance wasn’t going anywhere and never ending. I felt so powerless with my financial situation even though I was paying my debt on time. Debt Cutter has taken the stress off of me and I saw the light at the end of the tunnel, as opposed to a situation where it was like being in quicksand. Prior to approaching with DC, I previously consulted couple of firms and I was rejected due to the fact that I was paying on time with my credit card bills with high interest rates and increasing from time to time. This was all until I found an ad for Debt Cutter on TV, the consultants were very professional in answering and addressing my questions and walked me through the whole process. Debt Cutter paved the way for me to achieve financial freedom and finally set me on a path to being debt free. I felt it was really nice to talk to someone who didn't judge me based on my financial situation. I also felt better after the consulting session knowing I had a plan. Debt Cutter provides a world class service and I will highly recommend Debt Cutter to anyone I know who needs financial assistance about debt problems. I would tell anyone considering calling Debt Cutter to ring as soon as possible. They’ll organise a payment strategy and negotiate with creditors on your behalf with the ultimate goal to being debt free. All I have to do is focus on one simply repayment without having to worry about so many different credit cards and due dates with the rest left to Debt Cutter.”
  • Cathy, Queensland
The above example is general in nature, and quoted savings are only true in the above example and has been calculated to the best of Debt Cutter’s ability. The solution used in the above case may not suit your specific circumstances, and savings and debt reductions are not guaranteed, it is important you talk to a debt negotiator before deciding on any solution.

Cathy didn’t think it was possible to achieve financial freedom

Financial Snapshot:
  • Julian owed $67,958.00
  • Debt Cutter reduced his payable debt to $66,300.00
  • Our solution saved his an estimated $77,083.00 in interest alone
  • Julian will pay off his debts 5 years’ sooner
  • Total saved = $78,741.00
Life was cruising along very nicely for Julian, happily married, he had just built a brand new house, earning big money and owned three investment properties. But then came a divorce. After a lengthy settlement, a downturn in the property market and an ex-wife who had been living off credit cards, his finances had spiralled out of control. Things weren’t looking good, creditors were calling day and night and the stress was beginning to impact his health. This was until late one night Julian saw an ad for Debt Cutter. He called the next day and hasn’t looked back since. From the moment I picked up that phone and called Debt Cutter my life changed for the better. Firstly the harassing phone calls stopped instantly from the credit card companies. Secondly it allowed me to re-arrange my life back into good financial order.” Julian was even able to sell his investment properties in his own time when the property market was doing well again and turn a profit. Debt became manageable and life was good again. “I wasn’t at all skeptical about going into a Debt Agreement. The staff at Debt cutter explained everything to me in great detail very clearly and firmly.” “Debt Cutter I feel provided an amazing service and were always happy on the phone and willing to help me with any queries and updates I required along the way. Even if I was running a bit tight one week and a payment was due I could just call them and explain the situation to them and they would always help me work it out.” If I didn’t call Debt Cutter when I did my life would be vastly different to what it is now. I was at my wits end and heading towards a major meltdown. I can’t recommend Debt Cutter strongly enough to anyone who is having a problem.”   The above example is general in nature, and quoted savings are only true in the above example and has been calculated to the best of Debt Cutter’s ability. The solution used in the above case may not suit your specific circumstances, and savings and debt reductions are not guaranteed, it is important you talk to a debt negotiator before deciding on any solution.

After a marriage breakdown things were looking bleak for Julian

Marlene’s financial snapshot:
  • Marlene owed $49,955
  • Our solution saved Marlene an estimated $71,767.84 in interest alone
  • Marlene will pay off her debts 6.5 years earlier
  • Total saved = $73,622.84
The day I contacted Debt Cutter was to me the most important life changing phone call I have ever made. I now know that I can be free from all of the calls made from the various Banks. I had tried so hard to get my financial mess sorted, Debt Cutter have now made it possible for me to see that one day I will be debt free. I felt so ashamed that I was in this out of control situation. The day I received the text message notifying me that the application was successful, I felt such a sense of relief I cried. My life had not been easy the past few months, my husband has been unwell and my eldest son was having problems. Helen was the first person I spoke to about my debt, she was so understanding and helpful, at the time I felt a great sense of failure and shame that I had let my financial matters become beyond my control. Leanne became my case manager and was such a kind and understanding person with a great sense of humour and a really caring nature. I will be forever grateful to all of you for your assistance, and help and your kind understanding manner, when assisting me with my out of control debt. Thank you so much.
  • Marlene, WA
The above example is general in nature, and quoted savings are only true in the above example and has been calculated to the best of Debt Cutter’s ability. The solution used in the above case may not suit your specific circumstances, and savings and debt reductions are not guaranteed, it is important you talk to a debt negotiator before deciding on any solution.

With debt piling up Marlene was struggling to cope

Michael had a business that didn’t go very well and lost a lot of money getting behind in his repayments to the creditors. He had to close the workshop which also meant he was out of work.

“We had another baby and things just got really hard and out of hand. So my wife came home one day and I told her that I had called Debt Cutter after finding them on the internet.”

“I had credit cards from before my marriage and wanted to get those debts sorted as well. When you get yourself into financial trouble it puts a strain on everything and I believed I had found the answer.”

“I was pretty excited but also a bit nervous, the car is now at 400,000kms and needs to be replaced. I guess I was worried about how our past will affect our financial situation but with the Debt Agreement not on the credit file anymore it should make it easier to get credit.”

“I found Debt Cutter service awesome, really helpful and very informative. Any questions we had were answered immediately, we never had to wait for a call back or anything like that. We didn’t get mucked around.”

“I would recommend Debt Cutter to people and I would tell them to make sure they have everything they have outstanding. Don’t forget the little things. Be prepared and make sure you can stick to the budget and ride it out for the five years and things will get easier.”

A heavy downturn in business left Michael and Belinda with debts piling up and looking for some relief.


WHEREVER YOU ARE WE CAN HELP

We have consultants in all capital cities and selected regional areas, alternatively we are available to meeting via Skype or over the phone. Our goal is to make the process as easy as possible to help you get out of debt and start your journey to financial freedom.

We have consultants available in the following areas:

QLD

  • Brisbane, Bundaberg, Cairns, Gold Coast, Ipswich
  • Maryborough, Sunshine Coast, Toowoomba,
  • Townsville

NSW

  • Sydney, Ballina, Forbes, Gosford, Lismore,
  • Newcastle, Wollongong

VIC

  • Melbourne, Albury, Wodonga

ACT

  • Canberra and surrounds

SA

  • Adelaide and surrounds

If you are outside these areas, simply register for a free consult and we will call or Skype you at a time that suits you.