Free & Confidential

Free debt assessment

How much do you owe
across all debts?

Tap one — we'll show you what a single monthly payment could look like.

Our clients save an average of $1,200/month — we negotiate with your creditors to freeze interest and reduce what you owe.

"I was drowning in $42k of debt across 6 creditors. Clear My Debts got it down to one payment of $320/month. I can finally breathe."

— Sarah M., Sydney

Takes 2 minutes. No credit check. 100% confidential.

Prefer to talk to someone?

1300 998 168

Step 1 of 3

Who do you owe
money to?

Add each creditor — we'll use this to negotiate on your behalf.

$

Step 2 of 3

Your income
and bills

Just the basics — helps us work out what you can afford.

$

Monthly bills — enter each amount per month

$
$
$
$
$
Total bills $0
Left over after bills $0/month

Step 3 of 3 — almost done

Almost done — how do we reach you?

We'll review your snapshot and get started on your plan.

Your details are secure. Complete your snapshot to see your personalised plan.

Snapshot received

Here's your
situation,

Your debts
Total debt
Your monthly budget
Income
Bills
Left over each month

With creditors chasing you, interest and fees are adding up every single day you wait.

Your personalised plan

One payment.
We handle everything.

Stop juggling creditors. We deal with all of them — you just make one simple payment.

Your monthly repayment One payment. Every month. That's it.
What you're probably paying now
Your Clear My Debts plan

Based on your debt, you could be debt-free in — with interest frozen.

This one payment includes

Payments to your debts Your money goes towards paying off what you owe. We distribute it to all your creditors for you.
Our fees for managing everything Creditor negotiations, hardship applications, file setup, and ongoing management. All included.
Collector calls stopped We tell your creditors to contact us instead. Your phone goes quiet from day one.
Interest freeze negotiations We apply for hardship with every creditor to stop interest and fees from piling up.
Nothing extra to pay. No surprise fees. No upfront costs. Just one simple payment.

“I was paying 5 different creditors and drowning. Clear My Debts got me down to one payment and the calls stopped within a week. I wish I did this sooner.”

— Daniel R., Western Sydney

Creditors we'll manage
Total debt
Your one monthly payment
30-day money back guarantee Not happy? Full refund within 30 days, minus any amounts already paid to your creditors. Zero risk.
Licensed — ACL 568532
2,000+ Australians helped
100% confidential
Bank-level encryption

No lock-in contracts. Cancel anytime. 5-day cooling-off period.

Let's get you
debt-free

Your case manager Joe will set up your personalised payment plan. Tap below to lock in your spot.

Your monthly payment
Creditors
Total debt
Setup fee (included)
Your surplus
Start my plan

Secure payment via Stripe

30-day money back guarantee Excludes amounts paid to creditors.
or
Can't pay right now?

No problem — lock in your arrangement today and choose when your first payment starts. Nothing is charged until your chosen date.

or
Want to speak to someone first?

We'll call you to walk through your plan — no obligation, no pressure.

Or call us now: 1300 998 168 Mon–Fri, 8am–6pm AEST

Pick your
start date

Your bank details are locked in now — nothing is charged until the date you choose.

Your monthly payment

You can pick any date from 3 days to 60 days from today.

Quick options

Bank details secured via Stripe. Nothing charged today.

Step 1 of 2 — Sign your agreement

Service Agreement & Fee Disclosure

Please read the agreement below, then tap "I Agree" to continue.

Clear My Debts Australia Pty Ltd
P: 1300 998 168 | E: support@clearmydebts.com.au
Credit License Number: 568532

To:
Date:

1. Services Provided

Clear My Debts provides debt management and negotiation services, which may include:

  • Liaising with creditors on your behalf
  • Requesting balances, statements, and hardship consideration
  • Negotiating repayment arrangements or settlements
  • Administering agreed payment arrangements
  • Providing ongoing account management and support

Clear My Debts is not a lender, does not provide legal advice, and does not guarantee outcomes.

2. Fees & Charges

2.1 Setup Fee

A once-off setup fee applies to cover the initial work required to establish your debt management plan.

Setup Fee Amount: (incl. GST)

This fee is determined based on the complexity, number, and total value of your debts. It covers: file setup and assessment, creditor identification and contact, initial negotiations and hardship requests, and preparation of documentation.

2.2 Ongoing Management Fee

An ongoing management fee applies for administering your debt management plan.

Ongoing Fee: 20% of each payment made by you (exclusive of GST)

This fee covers: ongoing creditor communication, monitoring and administering payment arrangements, adjustments to plans as circumstances change, and account management and support.

3. Payment Allocation Order

While the Setup Fee is outstanding: A portion of each payment will be allocated toward the setup fee. The remaining portion will be distributed to creditors.

Once the Setup Fee is paid in full: 100% of funds (less the ongoing management fee) will be distributed to creditors in accordance with agreed arrangements.

4. Payment Method

Payments may be made by direct debit or another agreed method. You authorise Clear My Debts to debit payments in accordance with your selected payment frequency.

5. No Guarantee of Results

You acknowledge and agree that Clear My Debts does not guarantee reductions, settlements, or acceptance by creditors. Creditors are not obliged to agree to proposed arrangements. Fees charged relate to services performed, not guaranteed outcomes.

6. Client Obligations

You agree to: provide accurate and up-to-date information, notify Clear My Debts of any changes to your financial circumstances, maintain agreed payments where reasonably possible, and communicate promptly if hardship worsens.

7. Termination & Fees on Cancellation

You may terminate this agreement at any time by providing written notice. Upon termination, all fees already charged or accrued remain payable and are non-refundable. If any portion of the setup fee remains outstanding, Clear My Debts reserves the right to invoice you for the outstanding balance.

8. Cooling-Off Period

You may cancel this agreement within 5 business days of acceptance by providing written notice. Clear My Debts may still charge for services already performed during the cooling-off period.

9. Complaints & Dispute Resolution

Clear My Debts is a member of the Australian Financial Complaints Authority (AFCA). If you have a complaint, contact us at support@clearmydebts.com.au. If unresolved, you may lodge a complaint with AFCA.

10. General Terms

This agreement is governed by the laws of Australia. This document forms part of your overall engagement with Clear My Debts.

Scroll to read full agreement

Step 2 of 2 — Authority to Act

Authorise us to act on your behalf

This allows us to contact your creditors and negotiate on your behalf.

Clear My Debts Australia Pty Ltd
P: 1300 998 168 | E: support@clearmydebts.com.au
Credit License Number: 568532

1. Authority to Act

I authorise Clear My Debts Australia Pty Ltd to collect, use, and disclose my personal and financial information for the purpose of providing debt management and financial hardship assistance services as requested by me.

I appoint Clear My Debts as my authorised representative to act on my behalf for the limited purposes of:

  • Contacting my creditors, debt collectors, or account managers to confirm balances, account details, and payment status
  • Requesting financial hardship arrangements, including temporary payment pauses or reduced repayments
  • Requesting that creditor communication be reduced or redirected to Clear My Debts
  • Receiving and responding to correspondence relating to my debts
  • Discussing and administering repayment arrangements with my creditors

This authority does not permit Clear My Debts to apply for credit, provide lending services, or enter into any legal proceedings on my behalf.

2. Consent to Obtain Credit Information

I consent to Clear My Debts obtaining my credit history information from one or more credit reporting bodies (including Equifax, Experian, and Illion) for the limited purpose of identifying existing debts, confirming creditor details, and assisting with debt management.

I understand that this information will be used only to help identify my current credit obligations, will not be used for lending or marketing, and will not be shared with third parties except as required to provide the services requested.

3. Privacy & Communication Consent

I authorise Clear My Debts to obtain relevant personal and financial information from my creditors where reasonably necessary. I consent to receiving notices and documents electronically where permitted by law.

4. Duration of Authority

This authority remains effective until revoked by me in writing.

Scroll to read full document

Your details

Draw your signature above using your finger or mouse

You're all set

Your agreements are signed and your payment plan is active. Joe will start negotiating with your creditors right away.

Financial snapshot submitted
Payment plan activated
Service agreement signed
Authority to Act signed

What happens now?

Joe will review your file and begin contacting your creditors within 1–2 business days. You'll receive updates via email and SMS. If you need anything, reach out anytime.

J

Joe

Your Case Manager

0488 841 102

1300 998 168