We are dedicated to helping people settle their debts by negotiating with creditors on your behalf.

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1 We are dedicated to helping people settle their debts by negotiating with creditors on your behalf. Mediating and negotiating with creditors can be an overwhelming and daunting experience for people, which is where we come in. We work out the financial problems you are facing and we negotiate with creditors, on your behalf, to reach an informal arrangement to settle your debt. What makes us different from other companies? What makes us different? Most companies who are in this business offer solutions, which at the end of the day, leave you with a black mark against your credit rating. With us there is no need to worry about that as we have fantastic relationships with the banks. We negotiate and settle financial problems with creditors in an informal manner because, for us, it is all about communicating openly and confidently with your creditors about your financial problems, coming to a full and final settlement so you can look forward to a healthy financial future without affecting your credit rating. What is our success rate? Our expertise has led to debt settlements from 50%-100% of the original debt amount. What also makes us unique is, if we do not reduce your overall unsecured debt by at least 50%, we offer a full refund of your money. What type of debts do we handle? We can negotiate an informal agreement for most unsecured debts (which are not secured by an asset). These debts include credit cards, personal loans, store cards, debt owed after repossession, disconnection of utility bills, phone bills, accounts in collection and matters with Civic Compliance Victoria. What are the negatives in reducing my Credit Card or Personal Loans with Crown Money Management? This is what we love to do there are no negatives in reducing your debts with us. We do NOT enter into any form of debt agreement or any form of bankruptcy. We negotiate with the banks and help them to understand what your financial hardship situation is and come to a conclusion where is does not affect your credit in any way. The only down side to reducing your debt is that you are not able to continue using the creditor/s in which we have reduced your debt with. Our Fee Structure We value all of our customers and want to help you through your financial stress as much as possible, which is why we try to make it as easy and stress free as we can. The fee is payable on a direct debit authority and is payable over a maximum 2 year period (104 weeks), in which we have incorporated a flexi payment plan schedule so that you have a realistic and reasonable timeframe to have the fees payed off. The payment plan options are; 3 months, 6 months, 12 months and 24 months. We charge a professional fee based on the following; Debt Amount Fee Percentage $0 - $40,000 20% $41,000 - $80,000 18% $81,000 - $120,000 15% $121,000 - $160,000 12% $161,000 and above 10% Breaking down the wall of debt by Scott Parry, Founder and CEO. As seen in The Daily Telegraph s Money Saver HQ. COURIERMAIL.COM.AU MONDAY JANUARY money HQ saver LOCK IT UP: The frightening cost of car theft Breaking down the wall of debt SOPHIE ELSWORTH hand up and admitting they ve just spent $10,000 more than they THE financial pain that follows have earned, he said. Christmas is about to be felt by The first thing people can do is those credit card customers who perform some plastic surgery. Cut splurged over the festive break and up your cards because there s left themselves with an oversized nothing more painful than paying plastic bill. for something you don t have. While Christmas debt Balance-transfer cards where hangovers are not a new thing, you transfer one card debt to many card users fail to rein in their another that has an extended December spending, which leaves interest rate period are popular them scratching their heads in the ways to get rid of debt quickly. new year on how they can pay the But Mr Parry said for this debt off. method to be successful, card users And with a national credit card must map out a step-by-step plan bill at $52.4 billion with $32.2 on how to pay back the debt. billion accruing interest there are Once you get the card, if the plenty of cardholders who need to interest-free period is for 18 take action. months say, divide the balance by While plastic bills will start to this period and work out how arrive in the post or your inbox in much you need to pay each week the coming weeks, if they haven t to pay it off in full during the already, new data by financial interest-free time specified, he comparison website finder.com.au said. Read the fine print with found a majority of card users these cards and make sure you cut (63 per cent) plan to pay back their up the balance-transfer card when debt immediately. The remaining it arrives so you can t spend on it. cardholders will take three months Finder.com.au spokeswoman or longer to do so. Bessie Hassan said there are other And with the average credit cost-effective ways to reduce card card interest rate at 17.3 per cent, it debts quickly. can take months, if not years, for Personal loans will offer a many to cull the average card debt lower interest rate than most of more than $4000. credit cards and the card debt can Crown Money Management also be added to your mortgage LYING LOW: Money stories that hurt relationships NOT YOUR MONEY: Scott Parry, read online now

2 Real People. Real Results. ********** ************ ****** Can you help me regain financial control of my small business? Of course. Not only do we help individuals who are going through financial hardships, we help small businesses regain control of their finances to become a profitable business. We understand that life has many unexpected surprises which are not prepared for; medical expenses, divorce, high interest rates, not maintaining budgets properly; just to name a few, which is why we are here to help anyone, in any situation. Will this stop creditor harassment? Yes, we act as your authorised representative. This means that during the negotiations, your creditors will use us as their point of contact. How long does the process take? It usually takes up to 26 weeks to come to a full and final settlement with creditors. However, this may vary as circumstances differ for each individual. Can you still help me if I have assets? Yes, although it is dependent on each individual s situation. It is best to speak to one of our experienced team members who may be able to further assist you. Ready to get started? Find our if you re eligible at crownmoneymanagement.com.au/debt-settlement or call

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