Take control, reduce repayments, and breathe easier.
We know that debt can feel overwhelming, especially when you’re not entirely sure where to start. At Safe Debt Management, we’ve been helping Australians take control of their finances for almost 20 years. No judgment, no upfront fees, and no pressure. Just real options to suit your life.
Take back control of your debt and make your life better
Safe Debt Management is a licensed finance broker and AFSA-registered Debt Agreement Administrator. With no upfront fees and a range of debt relief options, we’ll help you find the solution that fits your situation.
Credit Card & Personal Debt
Our credit card debt relief program lets you consolidate credit card debt into one simple repayment - often with interest frozen or reduced.
Loans & Interest
If you have multiple unsecured loans, debt consolidation can combine them into one repayment, making it easier to budget and reducing your financial stress.
Debt Relief Programs
With online debt relief services, you can get help from anywhere in Australia. We’ll assess your debts, explain your options, and set up a tailored plan - all without upfront fees.
Payday Loan Debt Relief
Payday loans and wage advances can spiral quickly. Through payday loan debt relief, we’ll help you freeze interest, reduce fees, and break the cycle of repeat borrowing.
Debt Agreements for Debt Consolidation
When you enter a debt consolidation agreement, you commit to a single, manageable repayment. If your circumstances improve, you may have the option of paying out the debt agreement early - helping you rebuild faster.
Avoid Bankruptcy
If you are $5,000+ in debt, we may be able to reduce your debts to one affordable regular payment - avoiding bankruptcy. Find out if this option is right for you, it takes just a few minutes.
Types of unsecured debt we can take off your hands
Want to make your life better? Safe Debt Management offers debt assistance for people with unsecured personal debts of more than $5,000.
Outstanding Bills
Old utility or phone bills, medical or dental bills, rental or childcare debt etc
Credit Cards
Stop interest on credit or store card debts before they spiral out of control
Personal Loans
Plus payday and business loans. Reduce monthly repayments and stop ongoing interest
Tax Debt
Can include ATO or Centrelink debts
Customers we have helped
Troy and Karen were both employed and had a good credit history, but financial problems started when Karen had to leave work and Troy suffered an injury...
David was a franchise business owner severely impacted by the GFC. With additional loan repayment pressures, his debt soon became unmanageable...
Melissa's debts spiralled out of control, she had no idea how she would afford to pay it back but the team negotiated with her creditors and reduced her debt...
Ease your financial stress with a debt agreement
- Consolidate multiple debts into one affordable repayment
- Freeze interest and stop creditor calls with binding debt agreements or informal arrangements
- Explore all your options - from consolidation to Part IX Debt Agreements
- No upfront fees - you only pay if we help you
- Personalised, confidential debt solutions
- Lower repayments with step-by-step expert guidance
- Trusted nationwide - see our reviews & success stories
- Licensed & registered: ACL 531560, RDAA #1251
About Safe Debt Management
About Safe Debt Management
Safe Debt Management is part of the Safe Financial Group of companies. It is a licensed finance broker, Australian Credit License holder (ACL 531560), and registered Debt Agreement Administrator (RDAA #1251) with the Australian Financial Security Authority (AFSA).
We understand that every debt situation is different. That’s why we’ll consider a range of debt solutions — from debt consolidation services and low-interest repayment options, to informal debt negotiations and financial hardship arrangements, to Part IX Debt Agreements – we’ll find the approach that works best for you.
With no upfront fees, complete transparency, and a professional, confidential service, our goal is simple – to help you reduce repayments, freeze interest, and take back control of your finances.
⭐ Trusted by Australians. Check out our reviews to see how we’ve already helped people just like you.
Get a FREE debt assessment today – explore your options for debt relief and debt agreements.
Safe Debt Management Pty Ltd ▪ ACL 531560 ▪ ACN 010 183 294 ▪ RDAA # 1251