An Alternative to Beyond Debt

Beyond Debt operates under DCS Group Aust Pty Ltd, which AFSA lists as a registered Debt Agreement Administrator under registration number 1126. The business also holds Australian Credit Licence 382607. That registration and licence provide useful background, but they don’t tell you whether a particular debt solution is right for you, so it’s still important to understand the costs, terms and possible consequences before agreeing to one.

Beyond Debt reviews can help you understand other people’s experiences but check which service each reviewer used. A Debt Agreement, an informal arrangement and other debt solutions all work differently, so look for comments about the specific service, fees, communication, ongoing support and how clearly the arrangement was explained before signing. That gives you more useful information than relying on a star rating alone.

Beyond Debt provides debt relief options that include formal insolvency solutions and informal arrangements, while MyBudget starts with your full financial position and ongoing money management. We build a personalised 12-month budget around your income, bills, debts, savings and goals, then help you understand your debt options, with debt consolidation lending available through MyBudget Loans where appropriate.

Yes. Speaking with Beyond Debt or another debt-help provider doesn’t stop you from having a free appointment with MyBudget. Bring along information about your debts and any solution you’ve already discussed, and we can build a personalised budget around your circumstances so you have a clearer view of what you can afford before deciding what to do next.

Compare the type of help each provider offers, including whether the proposed solution involves budgeting, creditor arrangements, borrowing or formal insolvency. Look at the fees, ongoing support, what happens if your circumstances change and how the solution fits with your regular bills and future expenses, rather than comparing monthly debt repayments alone.