Are you having difficulty negotiating with your lender or the debt collector?  Are there extenuating circumstances why you cannot pay your debts?

In 2004, a client entered into a simple credit card contract with a lender.  The credit limit was insured.  In 2006, the client obtained a second credit card with the same lender.  Contrary to the client’s belief, the insurance covering the first credit card did not extend to the second card.

Unfortunately, the client suffered serious medical problems in late 2006 and spent a significant amount of time in rehabilitation.  During rehabilitation, the client made no repayments on the second credit card debt.  Since then, due to long-term unemployment , the loan remained repaid.

In 2012, the client discovered the debt had escalated and had been assigned to a debt collector.  The debt collector demanded immediate payment of the debt and suggested the client obtain another loan to pay off the debt.

The client tried to negotiate with the debt collector but later found that the debt had been listed on their credit file.  The client contacted CCLSWA for advice.

CCLSWA negotiated with the debt collector on behalf of the client.

The debt collector acknowledged that the client was experiencing long-term financial hardship and did not have the capacity to repay the debt.  The debt collector waived the debt and confirmed that they would stop all future action to collect the debt.

If you have trouble negotiating with the lender or debt collector phone CCLSWA on 9221 7066 or e-mail a request through from this site and one of our volunteers will contact you.