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Why book a debt help service through Airtasker?
Through Airtasker, you are one post away from getting help with managing your debt! Our platform makes it easy for you to find trustworthy and reliable debt help so you can get out of it fast.
When you seem to be drowning in debt, it can affect not only the financial aspect of your life but also your emotional, mental, and social capabilities. It can lead to anxiety, preventing you from enjoying the life you deserve. Getting a debt advisor can help manage your debt problems, gradually take that heavy load off your shoulders, and get you back on your feet again.
All you have to do is put up a task, and Taskers who are qualified to provide you with expert debt and financial advice will approach you with their services. We understand how important it is to find the right one for you. That’s why their respective profiles are available for you to browse, as well as their ratings and reviews from their former clients. Choose a Tasker, and let them guide you back to financial freedom!
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Top Debt Help related questions
Which debt help service is the right one for me?
Choosing the right debt help service for you depends entirely on your financial circumstances, the kind of debts you have, and how deep you are in them. Let your Tasker assess your financial situation so they can help you create and execute the right action plan. They can explain each of the options, their benefits, and their consequences.
What are the qualifications for me to get a debt help service?
Usually, you need to reach a minimum and maximum debt amount to qualify for debt help. It depends on the kind of service you’re going to get and the requirements of your Tasker. It’s best to discuss this with your Tasker so you can have these requirements and documents arranged.
Does getting debt help affect my credit report?
That depends on the kind of debt help service. Debt counselling will not affect your credit report. Debt management, although a private arrangement, can have a minimal impact on your score because you’ll be paying less than the initial agreed-upon amount. Your credit score should be okay with debt consolidation as long as you make regular on-time repayments. Debt agreements and bankruptcy can affect your credit score and can stay on your record for five and ten years, respectively.
What should I look for in a debt advisor?
When looking for a debt expert, be sure to scrutinise their qualifications, credentials, and experience. It would be best if you look for documents that certify that they are a legitimate debt advisor. They should be able to provide you with answers to all your debt-related questions and address your issues in an understanding and approachable manner. You want a debt advisor who will have your best interests at heart.
What do debt help services include?
Whether you’ve taken on too much debt due to unemployment, illness, or trying to keep your business afloat, debt help services offer you consumer debt advice and a roadmap to getting through your financial difficulties. Here are some things to expect when booking debt help on Airtasker:
Debt counselling can help you manage your debts and money, develop a budget, and come up with a personalised payment plan that can help you repay your debts while sustaining a normal lifestyle. They can also teach you how to work out what you can afford to pay, negotiate payment terms, and prioritise debt solutions. You can also get someone to help you organise your receipts so that this load is taken off your back, and you can focus on planning how to pay off your debts.
Debt management comes when it’s necessary to bring in a third party negotiator to bridge the gap between you and your lender. They discuss your situation and negotiate a more favourable deal with creditors on your behalf. Negotiations can include waiving fees, lowering your interest rate, or other debt relief strategies.
If you have a range of debts with different interest rates and repayment dates, debt consolidation can help you keep track of your debts, reduce your overall monthly payments, and simplify your finances. Your Tasker can roll all your debts into one single debt amount, so you will only pay once a month, with a single interest rate. Whether you have credit card debts, ATO debts, home loans and more, your Tasker can assist you with consolidating all of them so that your debts become easier to manage.
In cases of extreme debt and you don’t want to declare bankruptcy, a debt agreement can be a good solution. Upon entering a debt agreement, your debt can be reduced to an agreed amount, and you’ll be able to make periodic or lump sum payments. Another option is getting a trustee who takes control of your assets and offers to pay all or part of your debts back in lump sum or instalment. Note that debt agreements should be one of the last options since these can have consequences on your public record and credit rating.
When you’ve exhausted all debt help services, but you’re still struggling, you can declare bankruptcy and be released from most of your debts. This should be the last option as this can hurt your public record, but it can offer you or your business a fresh start. When you start anew, you don’t want to be drowning in debts again, so hiring someone to be your strategy consultant can help you avoid that. Getting a business coach can also teach you how to make sound financial decisions that can keep your business running without taking on too much debt.