asked questions

Why choose Debt Angels Solutions?

We remove the isolation associated with debt distress. We support you, creating space between you and your creditors, allowing you the time and space you need to breathe and truly assess your financial situation. Our approach is unique and highly personalised. We support you emotionally, negotiate on your behalf and give you the education and information you need to empower you to take back control of your financial situation. We go into bat for our clients like they are our best friends.

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

Our extensive experience and expertise in working with creditors means that we can negotiate the best outcomes for your personal situation, giving you freedom from debt stress and financial pressure.

Our free no-obligation consultation assesses your situation and we begin to discuss a customised plan of how we can help you.

Once you have decided 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 going forward.

We then work with you to develop strategies to take back control and work towards creating a brighter future.

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 consultation is free, and we are happy to have a conversation with anyone about their situation without any obligation. We are solution focussed and we never judge.

During the free consultation, 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. We do 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 to them.

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 affected before coming to us, it will stay affected unless action is taken to remove whatever has been listed. This doesn’t mean we cannot help you, in fact the opposite, we more than likely still can.

How do I know if this is a good fit for me and my situation?

During your FREE, no obligation consultation, together we will discuss your situation and help you ascertain if our service is right for you.

Have you read our testimonials and case studies? See what people who have been through similar experiences have to say about our services.

What am I responsible for when Debt Angel Solutions are managing my accounts and what does Debt Angel Solutions expect from its clients?

Participation, commitment and communication.

We work very closely with our clients and we ask for a commitment to being coached, honesty and timely communication. In turn, you can expect the same from us.

We need you to stay in contact with us and provide us with the information we need, so that we can work effectively on your behalf. We will request documentation and information at various stages of the process and sometimes we will need to call you and have a conversation. Put simply, if you are not in communication with us, we can’t help you.

This process also works best when you are open to listening and learning from our expertise and experience.

Our Debt Angels work purposely with a commitment to transform your situation throughout the process of your “get out of debt strategy” and we expect the same commitment from our clients. Working with us, being open to being coached and applying it to your life, guarantees the best results possible for you.

I have a joint account with my partner, what happens here?

We obtain authority from you and your partner to act on behalf of your joint accounts if required. We can discuss your individual circumstances to give you clarity around who is automatically responsible for the debt. Sometimes an extra card issued on a credit card account doesn’t necessarily mean that the secondary cardholder is responsible for the debt. Each situation is assessed and managed accordingly.

What if my personal situation changes while my accounts are under management?

We require you to let us know as soon as there are any relevant changes to your circumstances, both financial and personal. We will handle this information accordingly and appropriately. We will update your creditors as required as part of the account management service we provide.

We are on this journey with you and understand life can change in an instant. We are all about being in communication and finding solutions.

Is it legal for creditors and debt collectors to track me down via social media or through friends and family?

Rightly or wrongly, creditors and debt collectors who do this are not stepping outside the law. If you are out of communication with them, they are within their rights to use this avenue (and a variety of others) to attempt to contact you.

Yes, they will likely contact family and friends in an attempt to contact you! However, they are legally not permitted to reveal details of your debt to a third party.

For more information on how debt collectors work, visit the Australian government/ASIC website Moneysmart at:

What if I have received a letter from a solicitor, debt collector or mercantile agent?

This is a sign that the relevant debt in question and the subsequent situation has now been escalated. This will more than likely now accelerate much faster if it is not dealt with quickly. It is highly likely it will also cost you more money if your debt has gone to a third party or legal representative. It needs to be dealt with NOW, please do not ignore it, it will only get worse!

We know this situation can be extra stressful, we can help.

Book in today for your free consultation call.

These types of agencies often play hardball, dealing with them can sometimes be unpleasant, upsetting and a very high-pressure experience, especially if you don’t have the answers they are looking for or the money they are demanding.

We know your rights, responsibilities, what to say and what not to say.

Let Debt Angel Solutions see what we can do for you and your situation. We may need to direct you to another type of service if we are unable to help you with your case, but feel free to speak to us first and we’ll see what we can do.

Book in today for your free consultation call.

How does Debt Angel Solutions differ from other service providers?

  1. We are not brokers, accountants, lawyers or financial counsellors/advisors

  2. We do not write loans or sell consolidation packages

  3. We do not offer you further credit

  4. We do not provide Debt Agreements, Part IX’s, Debt Consolidations or bankruptcy and insolvency services - (we highly recommend you read the fine print of any paperwork pertaining to such agreements as this is a drastic step and there may be other avenues available to you)

Does my partner need to know?

If your partner is not part of the debt contract with your creditor and you have not given us your authority to speak with your partner, we will not discuss your situation with them.

Without your consent or written authority, we will not discuss your situation or dealings with Debt Angel Solutions in anyway or anyone.

We do however highly recommend that you discuss your situation with your partner (if appropriate) so you can work together to achieve the outcomes of your “get out of debt strategy”.

Please be aware that even though Debt Angel Solutions will not contact your partner or family without your permission, a debt collection agency may contact them within the boundaries set out by legislation.

How is my privacy handled?

Debt Angel Solutions has very strict privacy guidelines and are compliant with the Australian Privacy Act (see our privacy policy on this website)

What else do I need to know?

Nothing in particular. Just be reassured that whatever your situation, we never judge. Our founder, Kitty Thomas, has been where you may be now, in a world of darkness and debt with no visible light at the end of the tunnel, so we know the burden of debt and more importantly, how life can transform when that debt is lifted.

We have a wealth of knowledge and an amazing track record of transforming our client’s financial situations, so call us now for a FREE no obligation call to find out more about our services, you have nothing to lose. Let us help you transform your situation as we work with you to guide you out of the dark and back into the light.

Reset your life - contact us now!

Will the creditors stop calling me?


Once we have onboarded you as a client, we will ask you to sign a Letter of Authority which will be sent to your creditors. The Letter of Authority assigns Debt Angel Solutions to be the point of contact for your creditors moving forward.

Once they have received this, as your authorised representative, your creditors will call us instead of you.

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.

Should I consider a “Part IX debt agreement”, “going bankrupt” or an “act of bankruptcy”?

In our opinion, insolvency through Debt Agreements including Part IX Agreements, Debt Consolidation Agreements and Bankruptcy is a last resort option. We highly recommend you exhaust all other avenues available to you before committing to such drastic action! Please feel free to use our FREE no-obligation consultation call to discuss if other options are available to you.

We invite you to consider the consequences of choosing this course of action as there are serious and long-lasting implications. There are often high costs involved with any type of bankruptcy, and usually Debt Agreements and Debt Consolidations typically require large up-front payments. Usually the timeframes involved range from 5 – 7 years (of being bankrupt). It’s a long time to wait to move on with your life, to maybe buy a home, a car or even to access services like phone and electricity accounts.

Being “bankrupt” and going through insolvency feels like a heavy weight on your shoulders and often keeps people in a negative “I’m bankrupt” frame of mind. Bankruptcy can affect your mental health and general wellbeing, not to mention your financial future. There could be another way available to you. For more information, please contact us for a free no-obligation consultation so that we can assesses your current situation financial situation and discuss how we can help.