We cover every situation — from ATO debt and Director Penalty Notices to insolvency, bankruptcy, and creditor pressure. All free. All confidential.
A DPN makes you personally liable for your company's unpaid PAYG withholding, SGC, and GST. We explain the two types — lockdown and non-lockdown — the 21-day window, and your options before time runs out.
We explain how ATO instalment arrangements work, how to negotiate one, what the ATO considers, and how to give yourself the best chance of getting a workable deal.
We help you understand how your tax debt has aged, review your ATO lodgement history, and get a clear picture of where things stand.
We assess your eligibility and explain the options to reduce or remit the ATO's General Interest Charge and administrative penalties on your tax debt.
A garnishee notice lets the ATO reach into your bank accounts or intercept income without a court order. We explain how they operate and what options are available to you.
An ATO affidavit is a formal sworn document used in court-based debt recovery. We explain what it means, why you've received it, and how to respond.
A Statement of Claim commences formal court proceedings. We explain the process, critical response timeframes, consequences of inaction, and your options.
A Statutory Demand carries a 21-day deadline. Ignoring it creates a presumption of insolvency. We explain your rights, grounds to set it aside, and how to respond.
A winding up application is serious. We explain what it means for your company and your personal position as a director, and the steps available to halt or respond.
Is your unsecured business loan or high-interest lender slowly bleeding your business dry? When repayments are eating your cashflow before wages, rent, or tax can be paid — the spiral starts fast and gets worse quickly. We help you understand all your options: hardship arrangements, lender negotiations, refinancing pathways, and what actually happens if you can’t keep up with payments. If the interest on your business loan is killing the business, call us before it’s too late.
Trapped in a cycle of personal payday loans or high-interest consumer credit? We explain the consumer hardship provisions available to you under Australian law, your rights with lenders, and realistic options for breaking the cycle — including debt relief and formal repayment alternatives.
We explain the repossession process, the notice requirements your lender must follow, your rights before and after repossession, and the options available to keep your vehicle or minimise the damage.
We explain the rules debt collectors must follow under Australian Consumer Law, your rights when dealing with collection pressure, and practical strategies for taking back control of the conversation.
A trade creditor is demanding payment or threatening legal action. We help you understand exactly what the demand means, your legal position, and realistic options for responding before the situation escalates.
A key supplier has cut you off or moved you to cash-on-delivery. We explain your options for renegotiating credit terms and managing the immediate cashflow pressure this creates.
Struggling under multiple debts — business and personal? We provide comprehensive debt counselling to map your full financial position and explore formal and informal restructuring, relief, and repayment options tailored to your situation.
Early intervention advice before insolvency becomes unavoidable — including voluntary administration, informal arrangements, and restructuring options.
We explain every stage of personal or company insolvency — what triggers it, what it means for directors, creditors, and assets. We cover:
Clear guidance on the bankruptcy process — triggers, duration, what it means for assets and income, and the formal options available:
What happens to your family home if your company is failing or becomes insolvent? We explain the exposure of personal assets when a business goes under.
A creditor has lodged a caveat on your property. We explain what it means, how it affects your ability to sell or refinance, and the impact if the business fails.
We explain the claim in plain language, your rights as a director, the powers of the liquidator or trustee, and the defences available to you.
Already working with an accountant, lawyer, or insolvency practitioner — or received a proposal you're not sure about? We provide a frank, independent second opinion. No agenda. Just honest guidance.
We review the proposed strategy — whether it addresses the real problem, whether sequencing is right, whether better alternatives exist for your specific circumstances.
We give you an honest view on whether the fees you've been quoted are reasonable and proportionate — so you can engage with confidence or push back where appropriate.
We assess whether the advice or proposal you've received is sound, realistic, and in your best interests — including whether the recommended outcome is actually achievable.
Received a formal proposal — DOCA, restructuring plan, VA recommendation? We review it with you in plain language before you sign anything.
Like everything else we do, second opinion consultations are provided at no cost and with no obligation. Our goal is to make sure you have the clearest possible picture before any decision.
Just reach out and tell us what's happening. We'll figure it out together.
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