My Peace of Mind will never put you into a worse financial situation than what you are currently in. The most impact our service can make is for customers with $10,000 or more in debt.

There are exceptions to this. If you are paying more than 25% interest and you have less than $10,000 in debt, we may be able to help. Yes! There are some lenders out there that are charging interest rates of more than 40%.

No. A non-formal debt negotiation agreement does not negatively affect your credit rating. One of our primary goals at My Peace of Mind is to keep your credit rating clean.

The process normally takes between 2 to 6 months.

The average savings for our clients, for 2021 is $1040. On average in percentage terms, we have reduced our client’s repayments by over 71%. To find out exactly how much you could save please call or book a free no-obligation consultation by clicking here.

We offer a fixed rate service fee, no matter how much you owe or how many debts you have. In 95% of cases, within the first 2 months, you will save more than the cost of the service fee.

If we can't reduce the repayments or save you money, we will not take on the case. It would be unethical of us to do so, as we would not be acting in your best interests.

No. My Peace of Mind will conduct all negotiations on your behalf, while still giving you full control over the decision-making process. We will not make any financial decisions about your account without your input.

Absolutely not, without talking to us first. While Bankruptcy is an option in these situations, it will severely negatively affect your credit rating for the next 7 years. You will not be able to get any type of credit, and not just things like car loans or home loans. Electricity or even mobile phone plans rely on having a clean credit rating.

It is best that you come to My Peace of Mind before you default. While it is not ideal, we can still work with customers that have been defaulted by the lender.

• Relationship breakdowns
• Sickness / Injury / Illness
• Loss of job
• Change in career
• Birth or Death in the family
• Natural disaster
• Covid-19 related - job loss, lower hours, no overtime, etc.

*Dollar saving and percentage savings reduction of repayments is based on the customer's actual savings sustained in 2021. Statistics calculated on 15th June 2021. ^ While we do everything we can to prevent a negative credit impairment situation, every lender is different, and we cannot guarantee this process will not happen. As of today's date, no customers have defaulted who have used our service.