CHANGES TO THE LAW

In past years, death and debtors prison were the sentences for those unable to pay their debts on time.

Things have changed a lot since those days when England's original bankruptcy laws very much favoured the creditor and offered little or no hope to the debtor.

Overtime, a more equitable form of bankruptcy became law and this was the starting point for our own Australian Law.

The Bankruptcy Act of 1966 is the basis for the law as it currently stands today.

Although these laws help many people, other individuals mistakenly view bankruptcy as a kind of 'quick fix' to their financial troubles. Anyone considering bankruptcy should obtain an individual financial assessment and explore all possibilities and alternatives.

A debt management program may be the better solution.

OBLIGATION FREE - The choice is yours.
Getting a free financial assessment of your own situation is an important first step to making an informed decision about your Finances. You are under no obligation to enrol in the Debt Management Program. Good counsel will weigh all aspects of your individual situation, present the facts and allow you to make the decision.
FREE CONFIDENTIAL CONSULTATION
Our Belief By avoiding creditor phone calls and
letters you can not make the problem go away
and may even cause further damage
to your situation.

At FCR we believe it is possible for all to achieve personal financial stability.

Despite past circumstances, you can free yourself from the burden of overwhelming debt.

FCR's DEBT MANAGEMENT PROGRAM can help you overcome these difficulties. FCR is committed to negotiating with your creditors to reduce your interest rates and waive or reduce late payment fees.
FCR is aware that not everyone named in the court listings is in financial crisis. You may only be experiencing a temporary cash flow problem. This help is not a loan, nor is it bankruptcy. IT IS DEBT RELIEF.
You can be immediately enrolled in a Debt Management Program and drastically cut down your pay off time, saving thousands of hard earned dollars.