Credit & Consumer Law

ATO Debt Negotiation

Tax debt can feel overwhelming, but you do not have to deal with the ATO alone. We negotiate payment plans, remission of interest and penalties, settlement options, and hardship arrangements. We help clients present strong, well-documented applications and liaise directly with the ATO to achieve realistic and manageable outcomes.

Credit Repair

Your credit file affects your ability to obtain finance, buy a home, or grow a business. We assist in correcting inaccurate listings, removing unfair defaults, challenging illegal credit reporting, and resolving defective notices issued by credit providers. We handle all interactions with banks, lenders, debt collectors, and credit reporting bodies (Equifax, Illion, Experian).

Removal of Defaults

A default listing can seriously affect your financial future. We assess whether the listing is lawful under the Privacy Act and the Credit Reporting Code. If the default is incorrect, unfair, or improperly issued, we take steps to have it removed, including complaints to AFCA, OAIC, ASIC, and direct negotiation with the credit provider.

Debt Negotiation (General)

From personal loans to business finance, we negotiate directly with lenders and debt collectors to reduce balances, pause interest and negotiate waiver or remission of interest, arrange hardship terms, or settle debts for less than the claimed amount. We advocate for clients facing financial stress or unfair treatment from creditors.