Separation, Divorce & Joint Debt
Free Consult
Review your credit file/debt & discuss your circumstances with your case manager
Plan
Provide you with all the options & gather the necessary documents
Implement
Contact your creditors & advocate on your behalf
Outcome
Work towards the most appropriate outcome for your circumstances.
There May Be More Options Than You Realise
The end of a relationship can bring enough emotional stress without unexpected financial problems adding to the pressure.
Many people are surprised to discover that separation doesn’t automatically remove responsibility for joint debts, guarantees or other financial commitments.
Others find that their credit file has been affected by debts they believed had been resolved or were no longer their responsibility.
Understanding your financial position is often the first step towards moving forward with confidence.
Separation Doesn’t Always End Financial Responsibility
Many people assume that once a relationship ends, shared financial responsibilities end as well.
Unfortunately, that isn’t always the case.
Joint loans, guarantees and shared credit facilities can continue to affect both parties long after separation.
That’s why it’s important to understand exactly what has happened, what appears on your credit file and what options may be available.
Common Situations We See
Clients contact Simple Debt Solutions because:
- An ex-partner has stopped making repayments.
- Joint debts are affecting their credit file.
- They have been left with debts they didn’t expect.
- They don’t understand their ongoing financial obligations.
- Finance applications have been declined following separation.
- They’re unsure what steps to take next.
If this sounds familiar, you’re not alone.
How Simple Debt Solutions May Be Able To Help
Depending on your circumstances, we may be able to assist with:
- Reviewing credit reporting concerns.
- Understanding joint debt and guarantor issues.
- Communicating with lenders and creditors where appropriate.
- Reviewing defaults and other credit reporting.
- Exploring debt waivers or negotiated outcomes where your circumstances support those options.
- Explaining practical pathways that may help you move forward.
Every situation is different.
We’ll take the time to understand yours before recommending a way forward.
Taking the Pressure Off
When you’re already dealing with the emotional impact of separation, managing banks, lenders and creditors can feel overwhelming.
Where appropriate, Simple Debt Solutions can communicate with those organisations on your behalf, helping to reduce the stress of ongoing phone calls, emails and difficult conversations.
Many clients tell us that simply knowing someone is helping manage the process provides immediate relief and allows them to focus on rebuilding their lives.
Moving Forward
Separation may have changed your financial circumstances, but it doesn’t have to define your future.
Our role is to help you understand your financial position, explain your options honestly and support you as you work towards greater financial confidence and independence.
There may be more options than you realise.
Let's Talk
If separation, divorce or joint debt concerns are affecting your financial future, please contact us. We’ll explain your options and discuss practical ways forward.
We’ll listen, explain your options and, where appropriate, help you move forward with confidence.
Based in Perth, assisting clients Australia-wide.
