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Bankruptcy Advice Options

Bankruptcy Advice Options

I am Struggling Financially and need Bankruptcy Advice Options and Debt Solutions.

There is a range of circumstances that can land you in financial trouble. The good thing is that there are a number of Bankruptcy Advice Options such as claiming personal insolvency  These were created as options to help people just like yourself move beyond debt.

Our experts offer free advice in Perth, Brisbane, Melbourne and Sydney. If you need to know the best way to deal with your debts, give us a call to discuss debt consolidation, personal insolvency or bankruptcy. We can help you get out of debt even if you think it’s too late.

What happens when you declare bankruptcy?

We offer personal debt solutions tailored to your situation if you are constantly stressed over your debt. Claiming bankruptcy or personal insolvency may be the best option available.  Contact us to discuss your options such as bankruptcy vs insolvency.

Can I still earn money if I go Bankrupt?

An incredibly common question we encounter is the fear that you will no longer be able to generate an income during Bankruptcy in Australia. While there are specific stipulations, you are free to earn as much as you like. Talking to us about the pros and cons of going bankrupt can help alleviate your concerns and fast-track you on your path to financial freedom.

The income you can earn is calculated for each individual based on the number of dependents and adjusted upwards by the government (AFSA) in March and September each year to allow for movements in the cost of living. Contact us to discuss your options and find the best solution.

For further information and answers to other questions, such as what is the downside of filing for bankruptcy? how long does bankruptcies last? or does bankruptcy clear all debts? please download our Free Expert Bankruptcy Guide

Will I Lose My House If I Go Bankrupt?

Not necessarily; it is possible to keep your family home subject to meeting the requirements of your Bankruptcy Trustee. For example, if you owned the family home jointly with your wife or partner and the property is valued at $500,000, and you have a loan against the property for $475,000, then you have $25,000 in equity.

That equity is not all yours. It belongs 50/50 with your partner. Therefore, your trustee will require you to pay or raise from your partner, family, or friends the $12,500. If this can be achieved and you and your partner can still make the loan repayments, then yes, you can save your house. You will no longer own the property now belonging to your wife or partner.

Will I lose my car?

The rule the regulator has set with a motor vehicle is that if you have no more than $8,150 of equity in the car, you can keep it. For example, if you had a car valued at $30,000 and a loan against the vehicle for $23,000, then you have $7,000 worth of equity. You can therefore keep the car if you can still make the loan repayments.

Can I Travel Overseas?

One of the most common questions is about restrictions on travelling overseas after bankruptcy. The answer is simple. Yes, but there are conditions.
Being bankrupt does not stop you from travelling overseas. You can travel as often as you wish, provided you obtain written consent from your trustee. It’s an offence to travel overseas without permission in writing.


At Bankruptcy Advisory Centre, we have over 30 years of experience providing bankruptcy advice options in Australia and helping everyday Australians to resolve their financial problems. Our expert team offer a range of debt solutions for individuals and businesses across Australia from our offices in Sydney, Melbourne, Brisbane, and Perth.

Andrew has extensive knowledge of the debt solutions available in Australia. He can advise on finances and understands the difficulty in dealing with the stress of overwhelming debt. He knows that financial problems can be challenging and will help you through bankruptcy.

When Andrew’s clients come to him, they know they are getting the best service possible. With the support of the expert team at the Bankruptcy Advisory Centre, we have been helping people make smart financial choices with Bankruptcy Advice Options to achieve financial freedom for more than 30 years.

Get a complimentary first consultation by calling 1300 887 210 to find out about your options and receive expert advice on Bankruptcy.




  • I made an appointment with Andrew after finding him on google. I was nervous and apprehensive about what to expect but he made the process of bankruptcy extremely uncomplicated and stress free, allowing myself the opportunity to get the fresh start I was so desperate for. Thank you Andrew I could not recommend you enough.

  • Making the decision to go bankrupt was not easy however once I had spoken to Andrew i felt all my anxiety disappear. Andrew does not judge you and he has an innate ability to put you at ease. He took care of the whole process for me again reducing the stress involved with completing paperwork.
    Thank you very much.

    Hayley Eastough
  • I will definitely recommend Andrew Bell to anyone contemplating bankruptcy. Don't wait! Andrew is there to help. With his knowledge, he can advise you of the best path to take and assist with the mind boggling paperwork.

    Best of all, he is there for you through your entire bankruptcy period. Get your life back, it's not as bad as you think. Thank you Andrew for lifting the burden and allowing me to move on.

    Karilyn Mahon
  • I saw Andrew for 'advice only' on possible bankruptcy due to a divorce. Left an hour later with the paperwork all done and feeling like a new person!

    Andrew was extremely welcoming and made me feel so comfortable with my decision to proceed immediately.

    This was the best investment I have ever made and cannot speak highly enough of Andrew. He doesn't just give excellent service his follow up afterwards is amazing. Thankyou Andrew you made my 'new' life so easy to achieve!

    Vicki Johnston
  • Andrew was very helpful in helping me through the bankruptcy process, as a single mother left with a massive debt from my ex and our previous marriage. I was struggling to keep my head above water on a week to week basis.

    Andrew made me feel at ease immediately and helped me every step of the way, he happily and professionally answered any and all questions I had before, during and after the process. Thanks so much for your help Andrew!

    Aisha Edmonds
  • Would highly recommend Andrew to anyone having financial difficulties. Andrew made me feel very comfortable - he took care of everything and keep in regular contact with me throughout the whole process.

    Service was fantastic and he also keep in regular contact with me when everything had been finalised Thanks Andrew! can now get my life back on track.

    Cassandra Walsh
  • Very prompt service and excellent source of knowledge and information, I highly recommend Andrew's service for a quick turn around of circumstances.

    Eve Damjanovich
  • Andrew put my mind at ease in one easy appointment. Very satisfied with the outcome and service provided. Highly recommend Andrew.

    Tracey Douglas
  • Andrew was a steadying hand with his advice.Showing that things aren't as bad as first thought nor any obstacle insurmountable. If you have questions needing answers, Andrew is the person to ask. Thanks for your advice Andrew.

    Shane Thompson
  • Andrew was very knowledgeable, caring, helpful and compassionate when I went and saw him. He made me feel that I wasn’t the loser and failure that I thought I was being. Even down to the box of tissues on the table.. which I needed. Highly recommend to go see Andrew if your struggling. There is life after!

    Joanne Parker
  • Andrew and his team do an excellent job of helping their clients with bankruptcy advice and it is a pleasure to work with him.

    Gareth Lane
  • Don't hesitate contacting Andrew, I was stressed, struggled sleeping through debt. Andrew put me at ease. He listened to my situation and we decided on my next move. Andrew is professional and easy to talk too. I would recommend highly to anyone who wants help to give him a call. I appreciate your support Andrew. Regards Brett.

  • Andrew has given me back my life!!! After living paycheck to paycheck, I didn’t know what to do. Until I made the big step and booked an appointment with Andrew. As soon as I left his office I felt a huge weight lifted!!!

    Deezy H
  • Andrew was prompt, organised, friendly and efficient with the processing of my documents and made everything very simple for me so I didn’t need to deal with the added pressure and stress. Thank you Andrew for allowing me to start afresh and getting it done within a matter of weeks.


Fill the form below to download our Free Expert Bankruptcy Guide

What you need to know before declaring bankruptcy