1800 463 328 help@iodebt.com.au

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Business Debt Solutions

Is your business facing financial stress?

We can help.

Insolvency Options knows the successes and stresses of operating a business. We also know that running a business can be an expensive exercise. We provide business recovery, debt solutions and insolvency options for businesses and individuals.

When a business is overrun with debt, it can be difficult to manage and cause financial stress. This can be to not only the business owner, but all involved.

If your business is facing any of the below signs, it is time to know your options.

  • Continuing trading losses
  • Tax debt
  • Overdue supplier invoices and utility bills
  • Bank overdrafts or inability to borrow further capital
  • Unpaid wages and superannuation 
  • Letters of demand 

Let us take the stress out of the situation and help you get back on track.

Personal Debt Solutions

Are personal debts causing you stress?


We can help.


If you are unable to pay your debts, you are not alone.

Our team work with many people that are in the same situation and are in need of an immediate solution.  

We know how difficult it is to take the first step.

Our free confidential consultation will help you understand your options and free you from debt.

Book a free consultation

Business Debt Solutions

Small Business Restructuring Plan

If your business is struggling to pay its debts, then the Small Business Restructuring Plan may be right for you.

Work with our skilled team to get your business back on track.

Voluntary Administration / Deed of Company Arrangement

This Voluntary Administration option is for businesses that need to resolve their debts in order to continue trading. It provides immediate debt relief after an Administrator is appointed.

Creditors' Voluntary Liquidation

Dealing with debt is stressful and sometimes dissolving a business is the most appropriate course of action.

A Creditors’ Voluntary Liquidation is designed to wind up a business after its debts have been resolved.

Businesses in Industry

Court Liquidation

A Court Liquidation occurs when a Liquidator is appointed by the Court to wind up (liquidate) a company. A Court Liquidation is commonly instigated by a creditor that has made an application to the Court to liquidate the company due to unpaid debt.

Personal Debt Solutions

Debt Agreements

A Debt Agreement is generally a preferable option over bankruptcy for all parties. It is a legally binding agreement between you and your creditors to settle your debts.

There are eligibility requirements to enter into a Debt Agreement.

Find out if a Debt Agreement is a suitable option for you.

Personal Insolvency Agreements

A Personal Insolvency Agreement is a legally binding agreement between you and your creditors to settle debt. Although similar in principle to a Debt Agreement, there are several differences.

A Personal Insolvency Agreement is an alternative option to bankruptcy. Find out if this option is suitable for your situation.


Bankruptcy may seem like a daunting option for debt relief. Our team will inform you whether Bankruptcy is suitable (or not) for your situation, as we consider this to be the last resort. Seeking professional advice early may prevent you from becoming bankrupt.

It is important to know all your options to debt relief.

We have been providing debt solutions for 30 years.

Insolvency Options have helped thousands of businesses and individuals with debt solutions. Our experience and qualifications mean we have solved debt problems in all types of situations. Every situation is different and we know how hard it is to take the first step. Contact our qualified business recovery and debt solution experts.

Frequently Asked Questions

Debt solutions and insolvency options can seem quite complicated and if you are in a debt crisis. We don’t expect you to know what solution is right for you just yet.

Our free confidential consultation will help you with this process.

These frequently asked questions may also help you before your consultation.

What is insolvency?

Insolvency is when a person or company cannot pay debts when they are due.

What causes insolvency?

Insolvency can occur rapidly to individuals or businesses through sudden changes in environment, employment, divorce or business partnership separations. Insolvency can also be caused after longer periods of time where debts are left unpaid due to cashflow issues, poor management of a business, stacking credit card bills or ongoing business losses.

What is debt?

Debt is a sum of money or monies that due or owing to creditors.

How do I know what insolvency option is right for my business?

This is an important question and if you are wondering what the answer is, it is time to speak to our team. We rarely have business owners that know what insolvency options are available or suitable for their business. This is because each business and its financial situation is different. We understand this, and that is why there is not one solution for all. It is important however, that you know your options.

How do I know if I am insolvent trading?

If you are a director of a company and you are unable to pay your debts when they are due, you are insolvent trading. It is important to seek immediate professional advice if you are insolvent trading.

Contact Us

Our Free Consultation Service

We know taking the first step to call for help is not easy.

Our initial step in your consultation is to listen to best try and understand your situation. Your confidentiality is just as important to us as it is to you.

Our consultation also covers what your options are; the benefits, considerations, costs and expected outcomes of each option. Anything that you have disclosed to us during this consultation is kept completely confidential.

Find out what you should expect from our free consultation service. Contact our business recovery and debt solution experts today.

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