Debt Negotiation & Credit Repair

Get out of debt without bankruptcy

Debt Negotiation

Struggling with debts and repayments? Being hassled by Debt Collection Agencies? Been refused finance?


If this is you, don't let any of this stop you.  Select can help.  Select incorporates debt negotiators that help people dramatically reduce their debt obligations and become debt-free.  We put our clients and their needs first and are proud of our reputation for truth and transparency, and for the rave reviews we continue to receive from our clients.


We get a Letter of Authority from you that allows us to take all the hassling phone calls and correspondence and we liaise with your creditors on your behalf.


If you own property but are having trouble getting the refinance loan to service, we negotiate with your creditors, including the Australian Tax Office, in an attempt to remove or reduce your debt, to get you to the total amount you are able to borrow.

Debt consolidation loans provide you with a realistic avenue to becoming debt free.  One of our debt management experts will source the most appropriate lender to pay off all outstanding debts, incorporating all your previous debts into one easy to manage loan. Debt consolidation loans are analysed by our team to determine which repayment plan will work best for your specific situation.

Alternatively, if you don't have property but do have funds to pay a reduced amount to your creditors, Select can also assist.

Judgement and Default Removal

Approximately 1 in 10 Australians have a black mark against their credit rating and here at Select we can assist to repair your credit rating prior to submitting any loan application/s so that you are not declined on the basis of bad credit reports.

We will get a copy of your credit report, discuss and evaluate your situation and then provide you with options that will help you get approved and may include removing black marks from your credit report.

What kind of debts can be settled?


Debt negotiation applies to unsecured debts only – those that are not tied to a physical asset such as a house, car or boat. In addition, some types of unsecured debt also do not qualify.

You can include the following types of debt to be negotiated:

  • Credit cards

  • Department store cards

  • Business debts

  • Personal lines of credit

  • Personal loans

  • Other unsecured debts

  • Old judgements and defaults

The following types of debt do not qualify:

  • Home mortgages

  • Car loans

  • Equipment loans

  • Other secured debts

This list is not all-inclusive. Be sure to check with your Select debt negotiator to clarify.

We’re here to help you become debt free!

Call us today for a no obligation, confidential discussion

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