debt consolidation

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Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others. This commonly refers to a personal finance process of individuals addressing high consumer debt, but occasionally it can also refer to a country's fiscal approach to consolidate corporate debt or Government debt. The process can secure a lower overall interest rate to the entire debt load and provide the convenience of servicing only one loan or debt.

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    SA Accountant Withholding Tax Return Paperwork

    I have recently terminated my accountants services due to closure of business. I am currently undertaking a debt consolidation agreement and my wife is going bankrupt as a result of business debts. The question is: We currently owe money to accountant for fees relating to 2014 - 2015 services...
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    WA Flexirent Loan Dilemma?

    I'm separated from my ex wife. I have several Flexirent loans for products in my name that I pay for upward of $500 a month. She has kept these and won't give them back. Am I entitled, and how would I go about getting what I pay for under each loan agreement? Or is it a loss and a loan I have...
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    TAS Dentures Missing after Paying Off Debt Collectors

    I have been paying off a set of dentures. Due to a range of reasons, the debt for the dentures went into a collection agency (debt collectors) but I have been paying them off and went to collect the dentures as I was advised (in writing) that I could and was told they are not there and no one...
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    VIC Hidden Defaults with Simply Energy Affecting my Future Credit

    I am currently with Simply Energy and when I applied for a credit card I was told I had bad credit when they did a credit check. When I followed this up with Dun and Bradstreet (D&B), I found the defaults were with Simply Energy. I called to address the default and was told I had not just the...
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    WA De Facto Debt Consolidation - All Debts in One Partner's Name?

    My daughter's ex de facto could not get finance for purchased items (boat, phone contract, electricity) many more, so she put it all in her name. Is there anyway to get him to pay his share as he was part of the de facto relationship? She called electricity co to have her name withdrawn from the...
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    Debt Collectors - Obligations with Paperwork?

    Hi, I've just been contacted by a debt collection company for a debt that my ex has unfortunately run up under my name. The debt was purchased by this company in 2011 and they have only just contacted me now. I know that I am pretty stuck with the debt as it is in my name, but they have been...
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    VIC How Do I Deal with Personal Bankruptcy?

    I ran an online business for close to 12 months. Unfortunately it ran into some debt (while we aimed to go our sales), the business was set up in my personal ABN and name at this stage as it wasn't incorporated with my business partners. We shut the business down as it was making a loss. I now...