Select Financial Services
Helping Australians overcome financial stress and regain control of their financial future.
We provide confidential support when you need it most.
Confidential Financial Support
Confidential, judgement‑free financial support when life feels overwhelming.
Select Financial Services steps in during arrears, debt, ATO pressure, repossession risk, relationship breakdown, or business challenges — negotiating directly with banks, lenders, creditors, and the ATO on your behalf.
Whether you’re struggling with debt, dealing with the ATO, facing business challenges or looking to refinance.
Our experienced team works with you to develop a personalised recovery plan.
Our focus is simple: stabilise your situation, create breathing room, and guide you toward a genuine financial reset.
Your Financial Begins Starts Here!
No Success = No Fee
We are experienced debt negotiators who work with institutions to waive debts, reduce debts, negotiate settlements, or create affordable financial arrangements for our clients. We deal with financial institutions, creditors, liquidators, debt collectors and the ATO to work out the best solution on your behalf.
What sets us apart:
We are licensed ASIC‑accredited Debt Management Specialists
We are partnered with mortgage brokers and licensed real estate agents
We make the entire process easier if finance or property support is required
We are on your side — confidential, supportive, and here to help
We reduce stress and change lives
Who are SFS?
Our Process
1. Initial Consultation We understand your goals and pressures.
2. Questionnaire + Statement of Financial Position (SOFP) This helps us determine the most appropriate course of action.
3. Strategy Development This may include:
Refinancing or consolidating borrowings
Using external funds to negotiate creditor discounts
Removing or updating defaults
Planning property sales for best financial benefit
Confidential real estate support through affiliated agencies
Referrals for liquidation, Part IX, bankruptcy or specialist advice
Hardship management plans
Postponement of enforcement proceedings
Complaints or claims to credit providers, AFCA, ASIC or the Information Commissioner
Referrals to other agencies where appropriate
Licensed ASIC‑Accredited Debt Management Specialists
A Debt Management Specialist (as of 1 July 2021) must hold an ASIC‑approved license and comply with the National Consumer Credit Protection Amendment Regulations 2021.
What this allows us to do:
Negotiate changes to debts under consumer credit contracts
Handle ATO debt and unsecured debt
Take over all creditor communication with third‑party authority
Review your situation and negotiate the best outcome for both parties
Work with unsecured debt: credit cards, personal loans, business loans, ATO debt
Creditors often prefer negotiation over legal action — we act as the conduit to help both sides move forward.
Finance & Property Support
Through our in‑house team and affiliated mortgage brokers across Australia, we can arrange finance if beneficial. This strengthens negotiations, showing creditors you’re proactively addressing your situation.
We also negotiate discounts or waivers on unsecured loans to help facilitate successful finance applications.
Our services do not affect your credit file and are not Part IX Debt Agreements.
How We Charge
Personalised debt solutions
Confidential and respectful service
Clear, honest guidance
Experienced financial specialists
Ongoing support throughout the process
No upfront fees in most cases
No Success = No Fee
Fees are a percentage of what we save you. Fees are built into discounted payments, refinance settlements, or external funds organised by the client
Why Choose Us
We understand that financial challenges can feel overwhelming. That's why we're committed to providing clear advice, personalised solutions, and support you can rely on every step of the way.
Our Accreditations and Partners
Don’t feel shame and embarrassed. You are not alone! Debt stress impacts millions of people every day.
In 2024, ASIC research found that 5.8 million Australian’s struggled with debt over a 12-month period. For many Australians, the path to seeking help feels daunting, embarrassing, confusing, and challenging.
Financial circumstances can change in an instant, and many people try to manage debts alone without support. But the weight of debt stress can quickly become overwhelming, affecting your wellbeing, your relationships, and your ability to move forward.
This is exactly why Select Financial Services exists!