Our 3-Step Debt Management Process


Debt Negotiation Reduces Your Overall Debt

Our team of Angels has the experience, knowledge, empathy, and passion to guide you through your Get-Out-Of-Debt Journey!

We will be with you every step of the way to coach and guide you, lift you up on those tough days, inspire and motivate you to stay the course, educate you so that you can not only recover but stay debt- free and of course, Debt’O’Nate your existing debts!

We do this in 3 steps!



We start with a confidential discussion to get a clear understanding of your financial position and what your debts are costing you. We listen to you with compassion, without judgment and then using our industry knowledge and information about your individual situation, we will discuss your proposed Get- Out-Of-Debt Strategy.



When you’re ready to move forward, you will be provided your very own Debt Angel (Case Manager) who will onboard your accounts and notify your creditors so that we can start to negotiate with them on your behalf, thereby stopping you from receiving all those stressful creditor calls and unwanted letters.

Your personalised Get-Out-Of-Debt Strategy will save you time, money, and mental anguish and set you on the path to financial freedom.



We will quickly transform your debt situation by reducing or stopping interest, settling debt for less, partially or fully waiving your debt where appropriate and/or restructuring your loans to make them more manageable.

An integral part of our service is to work with our clients to remove the obstacles that are stopping them from breaking free from debt. With regular communication with your Debt Angel, we will help you implement and manage accountability structures to get you financially empowered and back on track.

Reset Your Life! Our holistic approach is guaranteed to put you in a far better financial position saving you time, money and mental distress. We will help you implement new financial strategies, empower you around money mindfulness and give you the ability to break free from debt once and for all. In turn, allowing you to create the life you want free from the constraints of debt.

A change in circumstances such as loss of income, medical issues or a divorce/separation is often a major contributor to overwhelming debt and financial hardship. These and other life-changing situations can happen to anyone through no fault of their own and can wreak havoc on a household budget.

Debt can leave you feeling like you are stuck in a vicious cycle, living payday to payday, barely paying off the interest, rarely, if ever, paying down the principle of the debt, scared of damaging your credit file worried about what people might think, and doing everything in your power to avoid bankruptcy.

Are you ready to start your debt-free journey?

Are you proactive?

Debt Negotiation, Debt Management, and Debt Reduction are not a ‘free lunch’ for people who don’t feel like paying their debts. If you find yourself in a legitimate financial hardship situation and you would prefer to proactively work things out with your creditors rather than declare bankruptcy, then Debt Angel Solutions can provide an alternative debt relief solution based on your individual situation.

Are you committed?

Your level of commitment to staying the course, even when the road might get a little bumpy, often determines success. The commitment to following our coaching and guidance along with the tailored strategy and plan of action that we create for your unique circumstance will result in us being able to get you through your financial difficulties faster than you ever thought possible at a fraction of the cost.

See what others have said about working with us …


Ready To Live Free From Debt?

Book Your Consult Call Today!

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. You will leave the call feeling clearer and confident with your next steps.

To get started, please click on the video below.

How does Debt Angel Solutions work and how can they help me?

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 Debt Check-up 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.

How will working with Debt Angel Solutions affect my credit rating?

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.

Will the creditors stop calling me?


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.

What if I don’t have any money?

Our initial Debt Check-up is free, and we are happy to have a conversation with anyone about their situation without any obligation.

During the Debt Check-up, 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.

For more on Frequently Asked Questions Click Here