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Debt settlement compared with refinancing the full balance

Debt settlement and debt refinancing are sometimes discussed together, but they are not the same. Refinancing normally repays the full agreed payout amount using a new loan. Settlement usually involves negotiating for a creditor to accept a different amount or arrangement to resolve a debt.
Sep 25, 2026
 in 
Debt consolidation

When to speak with a financial counsellor before refinancing debt

A financial counsellor can help when bills and debts are difficult to pay, creditors are contacting you or the available options are hard to compare. The service is free, confidential and independent of selling a loan.
Sep 21, 2026
 in 
Debt consolidation

Financial hardship or refinancing: which should you ask about first?

Refinancing replaces or restructures credit through a new application. Financial hardship assistance is requested from an existing provider when you cannot make a repayment. If the immediate problem is affordability, early hardship contact may be more useful than shopping for another loan.
Sep 19, 2026
 in 
Debt consolidation

Can tax debts and overdue household bills be consolidated?

Tax debts, utilities, telco arrears and council or household bills do not all behave like credit cards. A lender may exclude them, while the original organisation may offer a payment plan, hardship support or another arrangement that should be compared first.
Sep 18, 2026
 in 
Debt consolidation

Can payday loans or wage-advance debts be consolidated?

A consolidation provider may not accept every short-term loan or wage-advance balance. More importantly, repeated use can signal that essentials and repayments already exceed the money available each pay cycle.
Sep 17, 2026
 in 
Debt consolidation

The avoidance spiral: why we stop opening money letters

There's an envelope on the kitchen bench with a provider's logo on it, and it's been there long enough that you've stopped noticing it.
Aug 3, 2026
 in 
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