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Avoid the debt struggle

Debtstroyer Agreement

If you’re experiencing financial distress and are not eligible to enter a Part 9 Debt Agreement, a Debstroyer Agreement may be the best solution for you. A Debstroyer Agreement (Informal Agreement) is a private agreement set up between you and your creditors which allows you to repay your debts, take control of your life and gain financial freedom.

Whether a Debtstroyer Agreement is right for you will depend on your individual circumstances. Debstroyer Agreements are generally ideal in situations where you suddenly find yourself in financial hardship due to a change in your life circumstances. They are also a good solution in a situation where a formal solution such as a Part 9 Debt Agreement may negatively affect your ability to continue working.

“Such a smooth transaction from start to finish. It's such a horrible time in a person's life admitting debt got out of control. Jake was fantastic assisting me with getting everything sorted out.” - Luke

Destroy your debts

Benefits of a Debtstroyer Agreement

A Debtstroyer Agreement has a number of fantastic benefits, making it a preferred debt relief solution for struggling Aussies. A number of benefits are outlined below.

  • Provides you with a viable alternative to bankruptcy and avoids the restrictions and regulations that are attached.
  • We negotiate with creditors on your behalf to reach the best possible outcome for you.
  • You can choose which debts are included in your agreement.
  • You only need to make one, easy, affordable repayment.
  • For debt settlements, you only need to make a one-off lump sum payment.
  • Harassing phone calls from creditors will stop.
  • If you act early, your credit score may not be significantly affected.
  • Interest is paused or reduced on your debts.
  • Reduce your total debt amounts by up to 80%.
  • Allows you to get your finances back on track by focusing on a budget.
  • By having an administrator of your debts, your creditors are more likely to continue on with negotiations and reach a final settlement.
  • We will continue to negotiate and work with your creditors throughout the agreement.
  • You will have flexibility when your financial situation improves.

Our flexible Debtstroyer Agreement is designed to be tailored to your budget and needs – to help you get out of debt, once and for all.

Depending on your situation

Types of Debtstroyer Agreements

There are many types of Debtstroyer Agreements avaliable. Depending on your individual financial situation, our debt experts will tailor a Debtstroyer Agreement to suit your needs and budget.

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Long-Term Informal Agreement

This arrangement reduces the minimum repayments, pauses or significantly reduces interest, may reduce the principal debt amount and can last several years.

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A Moratorium is a short-term arrangement which pauses or significantly reduces the repayments and interest on your debts over a period of up to 12 months.

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Loan Renegotiation

We negotiate with creditors on your behalf to change current loan terms and conditions. This aims to reduce your minimum loan repayments or interest rate.

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Debt Settlement

A debt settlement is designed to waiver, reduce debt or negotiate a single lump sum payment to settle outstanding debts.

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A specific agreement to manage individuals caught up in failed agribusiness loan schemes. This arrangement is flexible and depends on your financial capacity.

“I was very impressed, Marcus is my case manager and he listened to my situation and was able to help me. Very professional. I am looking forward to being debt free.” - Liz


How to Qualify

In order to enter into a Debtstroyer Agreement, you must be experiencing financial hardship through extenuating circumstances. In other words, you must be able to prove you are in a position where you cannot repay your bills through no fault of your own. Some examples of this include:

  • Approaching retirement with no ability to repay debts, or
  • Other unforeseen changes effecting your ability to service outstanding debt amounts.

There are no maximum or minimum restrictions on the amount of debt you owe, your assets or your income. However, you must be able to maintain the repayment plan you put forward to your creditors for the agreed amount of time or be able to settle your debts through a lump sum payment.

At Lanyana Financial Group, we negotiate with creditors on your behalf to reach the best possible outcome for you.

What really counts

The Lanyana Difference

Lanyana Financial Group is a specialist financial company helping people move forward financially. We support Australian businesses and individuals with debt management and lending solutions.

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We offer an inclusive environment for all staff which is accepting of their differences, embraces their strengths and provides opportunities to achieve their full potential.

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We provide a holistic approach to financial freedom. We can help all Australians, no matter their situation and guide them through their solution from start to finish.

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Australian Owned

Lanyana Financial Group is proudly Australian owned and operated. With a focus on customer service, our caring staff are always available to speak with our clients.

Tailored solutions icon


We pride ourselves on offering tailored financial solutions to help Australian’s move forward financially. No two people are the same and neither are our solutions.

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Clear, unhindered honesty in the way we do business. In a time of financial hardship, our clients need reliable advice, clear information and respect. That’s what we offer.

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Lanyana Financial Group is committed to professionalism. We maintain our integrity in our interactions with our clients, their creditors and our corporate partners.

“Great service. Amy was fantastic and understood my needs and worked in a very efficient matter to take the stress out in our current situation as a family. Thank you Amy once again.” - SP

They're good

Our Articles

Unsure if our Debtstroyer Agreement is right for you? Find out more in our articles below.

Informal Agreement: Debtstroyer Agreement


Informal Agreement Pros and Cons: An Infographic


What is the Difference Between a Part 9 Debt Agreement and an Informal Agreement?


Read More

Get on top of your debts fast with a Debtstroyer Agreement. Our professional team will be there to help you every step of the way.

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Business Debt Assistance
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How Much Money Do You Owe?


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You've taken the first step to becoming debt free

Let's keep the momentum going, take the second step now and complete the assessment form.


You've taken the first step to becoming debt free

Let's keep the momentum going, take the second step now and complete the assessment form.

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