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Bankruptcy - The First Step Towards Financial Freedom

Bankruptcy – the First Step towards Financial Freedom

It is difficult to imagine Financial Freedom when an out-of-control credit card and a downturn in the building industry had Peter, a self-employed bricklayer, drowning in debt. The tradie said his troubles started when he incurred a large ATO debt and tried to pay it off using his credit card. At the same time, he started falling behind in his repayments on a personal loan.

He said not knowing how much he would earn from week to week made it virtually impossible for him to set up any repayment plan. “I could not see any way of working my way out of the situation,” he said. With Australians under more financial stress than ever, Peter’s story is becoming more common.

What is Financial Freedom?

Household Financial Comfort Report shows that with subdued and stagnant incomes, more Australians feel strapped for cash and are forced to dip into their savings to cover day-to-day living expenses. The report also revealed that while the number of families forced to use their savings to survive was on the rise, 25 per cent of Australian families have less than $1000 in cash savings.

The same report found that 19 per cent of Australians had sought financial help from friends and family in the past year, and 15 per cent had sold or pawned something to pay for necessities. It also revealed that 42 per cent of households still had the same income as a year ago, while 24 per cent had their incomes cut and just 34 per cent had increased incomes from a year ago.

What Does Financial Freedom Mean

The Bankrupt Advisory Centre CEO, Andrew Bell, said they received calls daily from people who could not see any way out of their situation. “The first thing I do is let them know that it is great they have been trying to do the right thing and pay everyone back, but by the time they come to us, they are already in a situation where they can’t pay their bills or feed themselves or their families. The only way to turn things around is to start looking after themselves and their own family.” Andrew helps people take the first step to financial freedom.

At Bankruptcy Advisory Centre, we have over 30 years of experience providing bankruptcy advice 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 Bell  Bankruptcy Advisor

Andrew Bell - Bankruptcy Advisory Centre - Financial Freedom

Andrew Bell

Andrew has business experience that spans over 30 years, having owned, and operated several companies. He knows the stress and burdens financial hardship can have on individuals and families.

With a sound knowledge of the insolvency and bankruptcy process, he is backed by a professional, solid team whose mission is to guide and advise people through Bankruptcy accurately, ethically, and with understanding.

He is an attentive and thorough guide to help clients make the best possible decisions. Please don’t hesitate to call if you need help with Bankruptcy anywhere in Australia. A conversation with Andrew ends with no obligation. At the very least, you leave with some honest information and a clearer understanding of your options on the road to financial freedom.

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.


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