Affordable and Friendly
Australian Bankruptcy Service
If you have debt/s that you can’t pay, what can you do? The law allows you to go bankrupt. Tens of thousands of ordinary Australians find voluntary bankruptcy to be the answer to their debt problems. Bankruptcy is a new beginning, a fresh start in life.
Phone
1300 163 017
Solutions Manager
George Stewart
0404 936 697
AFSA RDAA Licence 1149
Keith Dorahy
Serving
All of Australia
Advice and assistance from a licensed person
My promises to you
1. You can speak to me directly. My Name is Keith Dorahy, I am a licensed Debt Agreement Administrator through AFSA (Australian Financial Security Authority, the bankruptcy office). I will answer all of your questions about your situation and how bankruptcy will affect you.
2. AFCA (Australian Financial Complaints Authority) Member. For your peace of mind and safety.
3. The whole application process and completion of paperwork/forms will be done for you by me.
4. Guaranteed acceptance. I will guarantee your application will be accepted. Money back guaranteed.
5. A complete confidential (I do not record phone calls) service that can be completed over the phone.
6. Australia wide. If you are in Australia I can help you can get this done.
7. I promise that I will look after you. You will receive a level of service that will have you feeling it is beyond what you could have expected.
Your credit rating
The fact you have gone Bankrupt will go on a government file known as the NPII. It is from here that the credit rating company, Equifax (previously known as Veda or the CRAA) gets the information. They are allowed to hold the details on your file for 5 years.
BANKRUPTCY TIME
Generally you will be Bankrupt for 3 Years. It is during this time that you would have to make contributions from your income if it is over the base income threshold amount. The amount for a person, with no dependants is currently $1,100.75 net (after tax) per week.
ASSETS
If you have any significant assets you would expect to have to surrender them for the benefit of your creditors. However there are some things that you are allowed to keep including a car up to a certain value, household & personal items and tools of trade among other things.
YOUR HOME
Depending on the amount of equity you have in your home, ideally the less the better, it may be possible that you can stay in it (Ask us how). If you have a larger amount of equity you most likely will lose your home. If you are renting going bankrupt will not affect your lease.
BEING IN BUSINESS
Just because you are Bankrupt it doesn’t mean that you can’t have a business or be self-employed. You are however unable to be a director of a company.
OVERSEAS TRAVEL
We have never had a client been refused to travel overseas. If overseas travel is an issue for you then speak to us.
KEEPING YOUR CAR
If your car is under finance it does not mean that you will lose it because you go Bankrupt. Generally if you can maintain the payments you can keep your car.
Car, Income and Home
Find out more about how bankruptcy affects your income, your home and your car.
Avoiding Bankruptcy
There are ways to avoid bankruptcy if you can pay something, even if it isn’t the full amount that you owe.
Business, Tax, Trustee
Have tax debt? Self-employed or want to start a business? Think you need a Private Trustee?
Fee's, Reviews and contacts
Get an idea what it is going to cost. Read some reviews from our clients.
Call For a Free Consultation
Give me a call for a free friendly chat. I will explain how your situation will be affected and how I can assist you.
Bankruptcy Myths
I can’t file for Bankruptcy because I have a job
FALSE – Most people who file for bankruptcy are employed.
I won’t be able to go overseas
FALSE – We have helped thousand’s of people and never had anyone refused permission to travel overseas.
Only losers go Bankrupt
FALSE – Bankruptcy laws were made because good people can hit bad times.
I will have to make payments to the government if I go Bankrupt
MOST PEOPLE DON’T – A person with no dependants can earn $1,100.75 a week after tax and it is all protected. You will keep the lot. The protected amount is higher if you have dependants.
My employer will be told
FALSE – Your employer will not be automatically informed about your bankruptcy.
They will say I can afford my debts
FALSE – We have helped thousand’s of people and only twice has this been said. In both of these cases the person’s were allowed to go bankrupt anyway.
I can’t ever buy a house for the rest of my life
FALSE – Just because you go bankrupt it doesn’t mean you are barred for life from buying a house.
Get In touCh
Have a free chat and see if I can help you.
After hours available
I can consult with you and do any work with you of an evening or weekend.
Complete the form>>>>
I will call you at a time that suits you. >>>>
Free assessment
It will cost you nothing to get an idea of your options and how much you can reduce your payments by.
Nothing to lose
All you can lose is a whole heap of debt.