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We specialise in negotiating on personal and business debt

RJH Accountants can take the pressure off through:

  • Creditor Negotiation
  • Informal Repayment Arrangements
  • Lump Sum Debt Settlements
  • Short Term Moratoriums

RJH Accountants is a progressive Accounting firm offering a focused set of financial services in the debt relief space.

We look at all avenues and options in relation to avoiding personal and business insolvency through specialist debt negotiation.

We exist to provide a voice for individuals and businesses who are struggling to keep up with their creditors and debt repayments.

We represent our clients by dealing directly with their creditors and negotiating repayment arrangements to provide relief from their difficult financial position.

As registered tax professionals, we are also able to assist individuals and businesses with their tax debts in achieving suitable repayment arrangements and waivers of interest and penalties.

Our team of dedicated Chartered Accountants and professionals have years of combined experience in dealing with and managing debt.  This allows us to champion our clients and their needs while satisfying the creditors.

We work with a number of affiliates to provide a holistic solution to debt problems.  Majority of our business comes from working with Lenders, Finance Brokers, Accountants and Lawyers to achieve positive outcomes for their clients.

Whether this be negotiating on credit cards and unsecured debts to fit a mortgage refinance for a Finance Broker’s client or through alleviating the burden on Accountants and Lawyers in negotiating tax debt on behalf of their clients.

Services we offer:

Creditor Negotiation

After listening to your hardship story and assessing your financial situation, we will negotiate with your creditors to come up with a realistic and achievable means to repay your debt, whether through a repayment plan, a debt settlement or a combination of both.  We negotiate on your behalf with your creditors to achieve the best possible outcome based on your financial capacity and circumstances.

Informal Repayment Arrangements

We work with you and your creditors to achieve an arrangement which reduces your minimum repayments and freezes or significantly reduces interest.  The arrangement generally has no ‘typical’ term but may be several years and in many cases even reduces the principal debt amount owed.

Lump Sum Debt Settlements

We contact your creditors to negotiate an agreement which is designed to waiver, reduce debt or negotiate a single lump sum payment to settle outstanding debts.  In almost all financial hardship cases, we are able to achieve significant debt write-offs, ranging from 25% to complete write-off of debts.  This works exceptionally well particularly when you are trying to consolidate and refinance your debts.

Short Term Moratoriums

We negotiate short-term arrangements which freezes or significantly reduces repayments and interest over a period of up to 12 months.  This allows individuals and businesses to get back on top of their finances, catchup with immediate expenses before resuming normal creditor repayments.

Products we work on:

Debtstroyer Agreement

A Debtstroyer Agreement is essentially an informal debt agreement which may reduce your minimum repayment amount, freeze your interest and give you more time to pay off your debts in one easy regular repayment – without having a negative lasting impact on your credit rating like a bankruptcy would.

This is a proactive solution set up between you and your creditors allowing you to repay your debts, take control of your life and gain financial freedom.

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Debtstroyer Home Loan

After applying for a new Debtstroyer Home Loan and has been conditionally approved, we will negotiate with your creditors to reduce the amounts you need to pay out on your credit cards and personal loans to fit within your loan approval amount.

Then when your new Debtstroyer Home Loan settles the debts are paid from the proceeds of your new loan. By consolidating all your unsecured debts into your new home loan, we can reduce your repayments and improve your cash flow.

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