At Beyond Debt we believe taking on loans to pay off pay of loans is not an effective solution to personal debt. Many of our clients have consolidated debts before, some multiple times. They consolidate their debts and then something comes up. Suddenly the credit cards come out (which should have been closed) and they’re deeper in the credit hole than they were before a consolidation loan or credit card rollover. Sometimes they’ve used up all the equity in their homes, or have accessed their super before they contact us. If you are comfortable making payments on your debts, Beyond Debt is probably not for you. If however, you’re behind on your repayments, struggling to make them, or getting calls from debt collectors, we can help. Beyond Debt is a division of DCS Group, Australia second largest Debt Agreement Administrator. We provide one regular, reduced repayment based on affordability, freezing interest for the life of the agreement.