One of the oldest & Most Trusted Debt Negotiators in Australia

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DEBT HELP AND ADVICE FOR YOU OR YOUR SMALL BUSINESS.

Are you struggling with debt repayments?
In a never-ending debt cycle?
Want a solution that helps protects your credit rating from Credit Defaults?
Potentially solve your debt problem within 4 weeks?

We are one of the oldest specialised debt negotiation house in the country, our negotiators are veteran, street-smart negotiators, each having 30+ years of industry experience and high success rates for our clients.

We love what we do as we change lives for the better when we negotiate debt reductions for our clients.

Find Out How We Can Help!

We offer our debt negotiation services Australia-wide. Looking for assistance with debt negotiation and debt solutions? We can help!

Services We Offer

Debt Negotiation

Business Debt Help

Bank Debt Help

Debt Reduction Calculator

How we can help

Personal Debt Negotiation & Help

If you are struggling with credit card debts & loan repayments.

As specialised personal debt negotiators, we work with your banks to leverage a better outcome from a few weeks of negotiations. Our clients benefit from a no-win no-fee policy, ensuring the best possible outcome for you.

For qualified clients, in the past we have reduced debts from 20% off to as much as a full debt waiver
No win no fee
Aim to stop legal action
Access some of the country’s best industry negotiators

Business & Company Debt Negotiation

For Business Debt Advice & Mediation in 2021

You have access to a group of debt negotiators and business debt consultants with 60 years of combined experience working with commercial lenders. Negotiating your commercial loans may be a better outcome compared to insolvency or bankruptcy.

For qualified clients, in the past, we have reduced debts from 20% off to as much as a full debt waiver
Protect your credit rating
Aim to stop legal action
No win no fee

WE CAN HELP YOU WITH OUR DEBT ADVICE

No stress process when we negotiate to reduce debts by 50% or more for qualified clients

SEND US YOUR DOCUMENTATION

Send us your bills and supporting documents. We'll review and qualify in 24 hours!

WE NEGOTIATE
FOR YOU

We work and represent you as we begin negotiations with your banks

YOUR DEBT IS
REDUCED

We aim to reduce your debts to as low as possible as soon as possible

BACK ON
TRACK!

If we are successful, your debts are reduced, credit rating protected and no more worries!

OUR RECENT TESTIMONIALS

Find out what our financial professionals and happy clients have to say about the team

"Credit Mediation Services were beyond outstanding in the manner in which they handled my very, very urgent request for assistance.
Our family was experiencing a difficult time and massive health issues of the primary financial controller within the family unit.
Laurence and his team surpassed our expectations of assistance.
I would happily respond to any phone calls to verify the expertise and
compassion which was shown to us Please contact Laurence (on my behalf) for my number.

Jan C. Cherrybrook NSW

"After months of trying to settle a debt was getting nowhere. Employed the services of Laurence, and within weeks had a better outcome than I had initially tried to settle at.
I am totally lost for words with what Laurence and his team was able to achieve for me and am so grateful for what he did for me."

Michael S. Morwell Victoria

"Laurence and Donna worked tirelessly to assist us. Their generosity with their time and efforts is.so much appreciated. The results were outstanding and their communication compassionate. I would highly recommend their services."

Judy J. Moggill QLD

"Credit Mediation Services is a value add to those people I come across who are going through financial hardship, and by reducing their credit card debt to a more manageable level, my clients have been able to get out of the increasing debt cycle they were in. I would have no hesitation in recommending Laurence Hugo to anybody who is in need of financial advice and assistance."

Graeme Inglis, Smartline Finance

"Dennis and I want to thank you, for working on our behalf to pay Credit Cards that after a decade of payments we were unable to pay out. Circumstances beyond our control left us unable to continue payments,we had given up hope and thought we would lose our home,no one it seemed could help us,until someone gave us your name, Laurence Hugo for Credit Mediation Services.This company worked free of charge and enabled us thru Laurence's mediation the ability to pay these cards out.Dennis and I thank you for giving back to us a feeling of security that we will be able to stay in our home of 22 years,as pensioners this means everything to us,for the first time in many years Dennis and I can have a Happy Christmas. God Bless you Laurence for your wonderful work."

Patti and Dennis Price

"Donna and Laurence are really wonderful. Credit Mediation service provides an excellent service. I highly recommend them. If you are unsure, just give them a call, have a chat, and they will work through how they work together. No stress or hassles. They take care of business. Thanks guys!"

Brendan M, Melbourne VIC

"CMS offers a fantastic mediation service. I proactively recommend their services to my clients & friends. CMS have always exceeded my expectations and has consistently gone above and beyond what you would expect. They have a manner about them that is friendly, calm and compassionate yet he they are assertiveness necessary to mediate with the financial institutions. One of my clients referred to them as 'miracle workers!' "

Adam Cocks, Director, Grace Finance

"Thank you Donna and Laurence for providing a family member with exceptional emphatic care. Very attentive and discerning to understanding her needs and situation.
Previously had exhausted all avenues to manage and resolve this debt on our own. These super stars produced a result within three weeks. An outcome beyond what we could have believed possible. Thank you for moving mountains when all appeared hopeless."

Jacqueline - Melbourne, Victoria.

"Laurence and the team were an absolute god send, i had about $36,000 in debt across 2 different debt collection agency which they managed to get down to about $19,000 including their fee, i couldn't speak more highly of the quality of their work and their professionalism. If you are having problems with debt, if debt collectors are hounding you night and day call the the guys at Credit Mediation Services, it's the best thing that you will ever do."

Bruno J. Maddington WA

"It was a fantastic and stress free experience. All staff I had dealings with were very professional and got my messy debts fixed and cleared for free as I'm on the pension and needed assistance to change my life. THANK YOU"

Tracey B. Banora Point NSW

"It was providential that I came upon Laurence and his team and I thought long and hard about following the route of Credit Mediation Services; one of the best decisions I’ve ever made. I’d worked my way into a difficult debt situation that I saw as long term and very stressful. Laurence made it easy for me to proceed, provided timely updates on significant issues and eventually succeeded in having the debt waived. I’m so grateful that I can now proceed with confidence and without the financial ‘millstone around my neck’ that was sapping my quality of life. A mere ‘thanks’ doesn’t cover it; I’m smiling more and happy to recommend this fine group of friendly, respectful and professional people to anyone weighed down by crippling debt. This is your way out!"

John s. Scaborough QLD

"The team were great. Really helped us to save a lot of money and get on with living. Thanks again"

Benita B. Pakenham Vic.

30-SECOND HOW TO GUIDES

No subscriptions needed, no costs and no gimmicks. Just a free resource to give some guidance

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Take 20 seconds to calculate how much your debts can reduce by!

Use Our Free Debt Calculator

Our accreditations

YOUR DEBT NEGOTIATION QUESTIONS ANSWERED

What to do if you are struggling with debt?

The first move is do a budget, detail all of your essential spending and
compare this to your income. If you’re in surplus, great, if you’re in deficit
you might need assistance. Additionally, compare your new budget to
your spending habits by going through your bank statements, you might
then see what the problem is.

How to start negotiating debt?

Preparation, preparation, preparation! In all negotiations, the key factor
is understanding the negotiation ground your working on. This means
developing clear ideas on how far your creditor will compromise based
on various scenarios they are considering. After this, your creditor won’t
just give up, this is where you need to implement shrewd negotiations
skills.

How do debt negotiators work?

Preparation and negotiations skills are the two key factors for a successfully outcome with your creditor. Your negotiator will use your
individual profile, life events, financial position, compliance and more, to
leverage a better deal with your creditor. For qualified clients, and should the circumstances be right, this may look like a 30% to
80% debt waiver, or a permanent interest freeze on all your accounts.

Can I negotiate my debts with my creditors?

Yes, you can also build your own house, handle your own accounting
and legal matters, and perform surgery on your broken foot, but don’t
expect a huge saving with your creditor. You outsource to professionals
so that mistakes are not made. In order to maximise a financial return,
it’s best to consult an expert who has a proven track record of success
with your creditor.

How much will debt collectors settle for?

This will vary widely from Nil, to full debt waivers. In the hands of a good
negotiator, if you qualify, you will expect a debt waiver from 20% to 100% of your
debts.

$51909754 Million NO SAVINGS
NO FEE!

saved since 2003