We Are Here to Help!
Financial stress is rarely caused by one single issue — it’s usually a combination of arrears, debt, ATO pressure, relationship breakdown, or business challenges all hitting at once. Our services are designed to stabilise your situation quickly, protect your assets, and give you a clear pathway forward.
Every service we offer is confidential, judgement‑free, and tailored to your circumstances. Whether you’re behind on your mortgage, overwhelmed by debt, facing repossession, or dealing with ATO pressure, we negotiate directly with lenders, creditors, and the ATO on your behalf.
Our goal is simple: Create breathing room, reduce pressure, and help you reset financially.
Below is a list of our services. If any of these feel familiar or relate to what you’re experiencing, please reach out. You don’t have to navigate financial stress alone — we’re here to help!
Our Services
Debt Solutions
Reduce balances, pause enforcement, and regain control.
Financial stress often begins with overwhelming debt. We negotiate directly with banks, lenders, creditors, and the ATO to reduce balances, pause enforcement, and create breathing room.
What We Help With:
Credit card debt • Personal loans • Business loans • Tax debt • Arrears • Unsecured debt • Declined refinance
What We Achieve:
Reduced balances • Lump‑sum settlements • Structured repayment plans • Paused enforcement • Breathing‑room strategies
Hardship & Lender Negotiations
Payment pauses, reduced repayments, and lender concessions.
Hardship is a formal process — and we know exactly how to negotiate it. We communicate with your lender on your behalf to stabilise your situation quickly.
What We Achieve:
Payment pauses • Reduced repayments • Interest concessions • Enforcement pauses • Sustainable repayment plans • Early intervention before repossession
Repossession Prevention
We intervene early to protect your home and your equity.
Repossession is not instant — and it can often be stopped. We negotiate directly with your lender to pause enforcement and create breathing room.
How We Prevent Repossession
Immediate lender contact • Enforcement pause requests • Hardship negotiation • Repayment plan creation • Equity protection • Confidential property transition (if needed)
Creditor Discounts
Reduce unsecured debt through negotiated settlements.
We specialise in negotiating lump‑sum settlements and reductions on unsecured debts to help you regain control faster.
What We Negotiate:
Credit cards • Personal loans • Business loans • Payday loans • Unsecured finance
What We Achieve:
Reduced balances • Lump‑sum settlements • Faster financial recovery
Relationship Breakdown Support
Neutral, confidential financial support during separation.
Separation creates financial pressure — and often conflict. We support both parties neutrally and confidentially to protect financial stability.
How We Help
Joint debt negotiation • Protecting both parties • Confidential property transition • Creditor discounts • Arrears management • Finance restructuring
ATO Support & Negotiations
Payment plans, paused enforcement, and asset protection.
ATO pressure escalates quickly — but we can intervene before enforcement occurs. We negotiate directly with the ATO to stabilise tax debt and protect your assets.
What We Help With:
ATO payment plans • Enforcement suspension • Director liability pressure • Business collapse tax debt • Garnishee notices • Escalating ATO action
What We Achieve:
Affordable payment plans • Paused enforcement • Asset protection • Stabilisation of tax debt
Business Owner Support
Confidential support for directors facing ATO pressure, creditor action, and personal liability.
Business collapse is overwhelming — but you’re not alone. We stabilise the financial side so you can regain control.
How We Help
ATO negotiation • Creditor action negotiation • Director liability support • Asset protection • Financial Transition planning • Business debt restructuring
We Are Here to Help!
Financial stress can feel isolating — but you don’t have to face it alone. Whether you’re dealing with arrears, debt, ATO pressure, repossession risk, relationship breakdown, or business challenges, our role is simple:
to step in, stabilise the situation, and help you breathe again.
We listen without judgement. We act quickly. And we negotiate directly with banks, lenders, creditors, and the ATO on your behalf.
Every story is different. Every situation is personal. No matter what you’re experiencing, we’re here to guide you through it with confidentiality, clarity, and genuine care.
Bendigo, Victoria
What Our Clients say →
"I couldn’t recommend Tracey at Select Financial Services enough. Not only has she extraordinary financial skills and experience, but also her empathy and her understanding are beyond compare.
Nothing can change the fact that I have contracted a life threatening illness, but when it comes to taking a stand and being able to live what is left, Tracey and Grant at Select Financial Services have been leading the way to giving my wife and I a chance to carry on without a huge financial burden. The doctors have done fantastically to keep me here for so long, but without Tracey and Grant going in to bat to help me maintain some quality of life, the doctors work would be pretty much wasted.
Sometimes luck just doesn’t go your way. After a 30 year Army career and a little later in life, leaving precious little time for a financial recovery, a life threatening illness threw my entire financial situation into total and utter disarray without warning. The end result after over 12 months for treatment and recovery for the illness left my ordered and well planned life in tatters. The property portfolio I had built over many years for retirement ceased to exist and my general financial situation left me owing hundreds of thousands of dollars to the banks. Both my wife and I were working extremely hard to keep afloat. I approached the banks and they agreed to put my loans on hold for a short period. Did I mention that I owed hundreds of thousands of dollars? Obviously a ‘short period’ wasn’t going to do much......and didn’t. The banks understood that my health situation wasn’t going away, but didn’t really care.
I happened to be talking to Grant at Select FS about another matter and something he said sparked my interest. After a brief discussion, he assured me that they could help me with my problem. I was introduced to Tracey and my worries and burdens continued melting away with her assurances that they would be able to do something to help.
Due to the size of the debt, it took some considerable work by Tracey. To take her call a few months later however, with a letter from the bank following shortly after and find out that 100% of my debt had been waived by the bank was such an enormous relief. Not only no debt, but no other financial ramification and no bad credit rating. After 6 years of constant struggle and throwing almost every pay packet to the bank in attempting to keep up loan payments and stave off bankruptcy, suddenly Tracey had lifted the entire burden off our shoulders. How do you thank someone for that? You can’t......they just become family."