Do You Need Our Help?
Take this Debt Load test to find out!

Do you...

• Pay only monthly minimums or miss payments on charge accounts?

• Combine debts by borrowing from a high-interest lender?

• Rely on overtime or a second job to cover monthly bills?

• Find it very hard to save money or immediately withdraw money from your savings to cover bills?

• Panic when faced with an unexpected expense, such as car repairs?

• Hope that checks you've written don't clear the bank before payday?

• Borrow from friends and relatives to cover basic expenses?
  

WE CAN HELP! 

Matters Financial works directly with your creditors to clear and consolidate your debts into a single easily controlled payment as part of your home loan. There are numerous benefits such as:

• Reduction in minimum payments, as much as 50% 
• Consolidation of monthly payments into one simple monthly payment 
• Reduced or eliminated interest payments 
• Elimination of late charges and over the limit fees 
• Re-aging of past due accounts to improve credit rating 

A consultant will review your current credit and budget information (at no charge to you) to arrive at a repayment plan that will work along with your home loan or using collateral available within your home. Get out of Debt faster and with more ease than you thought was possible. Matters will evaluate your situation and provide you with various options that become available for your consideration. Matters Get Out Of Debt Plan is a fully structured debt management program which is tailored specifically to your requirements.

After deciding which option will be the most beneficial, and the GOOD Plan has been applied, you will have one easy date that will be your payment date every month. There will be no more different due dates to remember or budget for!

If after discussing your financial situation with your Matters Consultant and the GOOD Plan application is successful, Matters will contact your creditors and negotiate with them to have your debt paid out and consolidated. Matters will distribute the funds to your creditors on your behalf. You will still receive your monthly statements, so you will see your balances dropping. If any of your creditors contact you, you can direct them to Matters. Our customer service department will assist you with any questions or situations that may arise.

Simply keep making your monthly payments on time and you will be on the road to a better credit rating, stable finances and eliminating your debt!

Results

As a result of the benefits that we can achieve for you, you will be able to pay off your debt in much less time than you could on your own.

Our average client maintains a $10,000 debt with an 18.5% interest rate. Without Matters, by paying the monthly minimum payment, it would take at least 32 years and $24,500 to pay off the original debt.

With Matters that same client's debt will be paid off much sooner: usually 3 to 5 years, even with the reduced monthly payments!

How? Interest rate reductions, consistent on-time payments, and reduced late charges work together to effectively shrink the total balance owed. Before a client joins Matters, most of his or her payments are applied to interest charges. This barely changes the balance amount. By reducing the interest and consolidating your debt, you can pay off the balances in a lot less time!

Our consultants are available to handle harassing phone calls from creditors, assist you with legal situations and teach you how to handle credit in the future. Our consultants also make budgeting suggestions so that you can save more money each month and spend your earnings more efficiently.

We're here to find the best way to get you back on track and to Get Out Of Debt sooner!

Before you go any further read these debt or credit card statistics.

Pre-approved credit card offers
Ever wonder why you keep getting all those "Pre-approved" credit card offers - even though you're in debt, thinking of personal bankruptcy or maybe your credit rating is far from perfect? It has been the trend, as of late, for creditors to offer their cards to all consumers, especially those with credit and debt problems in the past. They hope that your past poor credit habits will force you to spend more money with their card - and rack up plenty of interest and late charges making personal bankruptcy look appealing. They'll earn money and you'll be back in financial turmoil. You're certainly not alone: 1998-1999: The average Australian adult received 3 credit card offers through the mail , regardless of their credit history

Average family credit card debt
You might be wondering, "I owe my creditors thousands of dollars - there can't be anyone worse off than me! I need to declare personal bankruptcy!" Check out the following debt statistic and see how you are not alone. Keep in mind that the dollar amount is an AVERAGE - that means there are people out there who owe a lot more than our example: The average family in credit card debt carries a balance of $4000 on several cards from month to month.

Other facts:
If you didn't have your credit card payment of $218 a month, and you instead invested that money in a 12% savings plan, in 25 years you could retire with $1,354,930 in the bank. So your credit card payments not only will cost you thousands in interest, but also prohibits many Australians from adequately saving for their retirement and makes bankruptcy look like the only alternative.

The average balance on a credit card is $7,000.

The average interest rate is 18.9%.

Late fees are now $29.00, (if not received on the payment due date)

The average household has 5 credit cards.

Almost half the households in Australia report having difficulty paying their minimum monthly payments, thus making bankruptcy seem like a good alternative.

If your credit card balance is $8,000, and you make the minimum monthly payment at 18% interest, it will take you 25 years, 7 months to pay the debt off. You will pay $15,432 in interest charges, (almost twice the balance), bringing your total to $23,432.

To calculate your Debt to Income Ratio, divide your debt by your income. (Ex. A person making $20,000 a year gross income with $10,000 of outstanding debt has a 50% DTI Ratio.) If your Ratio is over 45%, you will be offered higher interest rates when applying for loans. The lenders will see you as "overextended".