What to have ready
Have whatever you can of the following handy for your call. Don’t worry if you can’t gather everything — just bring what you have, and we’ll work with it.
Personal debt
- A rough list of your debts — who you owe and roughly how much (credit cards, personal loans, buy‑now‑pay‑later, overdrafts, payday loans, car or home loans, ATO, fines).
- Your income — roughly how much you take home and how often you’re paid.
- Your main regular expenses (rent/mortgage, bills, essentials).
- Any recent letters, notices or messages from creditors or debt collectors.
- Whether you’re behind on any repayments, and roughly how far.
- Any hardship arrangements already in place, or any formal insolvency (bankruptcy or debt agreement).
Business or ATO debt
- Your business name and ABN.
- A list of the business debts and rough amounts (ATO/tax, bank or business loans, suppliers, equipment finance, private lenders).
- Whether the business is still trading.
- Whether any of the debts are personally guaranteed by you.
- Any notices or demands received (for example ATO notices, a statutory demand, or a director penalty notice).
- If you have them, recent financials from your accountant — ideally a statement of financial position (balance sheet) and a profit & loss, plus your latest BAS or tax position. These give us a clear picture of where the business stands. (Optional, but very helpful.)
Credit repair
- A copy of your credit report if you can get it — you can request one free from each bureau (Equifax, Experian and illion).
- Which listing(s) you’re concerned about — a default, a credit enquiry, or both.
- What the default is for, and who listed it, if you know.
- Roughly when it was listed.
- Whether the underlying debt is paid or unpaid.
- Any letters or correspondence about the listing.
Privacy consent
So we can collect and discuss the information above during your consultation, please read and agree to the following. This does not commit you to any paid service — that’s a separate agreement you’d only sign if you choose to go ahead.
- What we’ll collect and discuss: your personal and financial information, and — where relevant — information from your credit report. Some of this is sensitive or credit information under the Privacy Act 1988 (Cth).
- Your consent: you consent to Reset My Debt collecting, using and holding this information for the purpose of the consultation and assessing how we may assist you, in line with our Privacy Policy.
- No obligation: the consultation is free and obligation‑free. Any authority for us to act on your behalf or deal with credit providers or credit reporting bodies is covered by a separate service agreement.
- Your credit report: you can get a free copy from each bureau, and we may ask you to provide it so we can review it together.
