ChapterTwoAnmeldelser 

I have been really happy with the service from Chapter Two so far. They have been great to deal with and have obtained some very positive outcomes for me I know would have struggled immensely to obtain on my own! Mim has been great to deal with. She has shown much understanding to my situation and great patience answering my many questions (and I know I ask a lot!) If you’re struggling with debts and need help then look no further then these guys! They’re definitely here to help! I am looking forward to continuing to work with them on my debts going forward!

Chris was great to deal with, he assisted with my tricky financial situation and ensured I got the best outcome possible. Would highly recommend ChapterTwo to anyone seeking a broker service that goes above and beyond

Mim Zareen has been competent, reliable and respectful - a true professional and showed enormous empathy in dealing with my situation . I cannot praise Mim enough , what an asset she is for Chapter Two and would highly recommend her to anyone ....Thankyou Mim you are an angel .

We were drowning in debts for years. My wife had to stop working for few months due to depression . And we could not survive on single income, so had to apply for pay day loans to pay for groceries and to pay for existing loan repayments.
At the end we ended up having 23 debts, total of approx 250k. Even though my wife started working, we could not cope up with all these repayments. Little by little we started to get behind with repayments, then started getting never ending calls from collection teams forcing to pay the repayments. They even called us on Sundays. I could not explain the stress we went through during those days. Every night, my wife cried her self to sleep. And during this period, a major bank put a large default on my wife’s name. That made things even harder. Default was a mistake by the bank, it was later taken off by the bank. Due to all these reasons, all the banks, brokers rejected helping us. We contacted, the free services such as National debt services, Wayforward etc. all of them suggested selling the house and the car, pay the debts, and go bankruptcy. It was so painful to even think of selling the house, as it was not too long ago, we built this house with so much love.
This was a time we could not even afford the groceries. We were helpless, we didn't tell anyone about our problems.
Then another bank rejected our refinance due to the default. That was the last hope we had, once that got rejected, we felt really lost.
But miraculously, on that same afternoon when my wife was desperately searching on google, she saw this advertisement about Chapter Two. And she started reading all the reviews. And the review written on 2nd Nov 2020 by Gary Hutchinson, caught her eye. His situation was very similar to ours. So wife asked me to contact Chapter Two. I was not in a mood to call anyone after the rejection not too long ago. Hence decided to use online chat service. I expected a virtual assistant, but i was greeted by “Chris” himself.
We signed the agreement with Chapter Two on 30th July 2021, and gave authority to Chris & his team to handle our debts and to communicate with the banks behalf of us. Biggest relief was, this stopped all those harassing calls from collection teams.
And this is during the pandamic, and when most of the states are under restrictions.
And by December 16th 2021 our refinance got settled, paying all 23 debts. Chris managed to find a mortgage provider who agreed to refinance us with our current situation, and also Chris and his team, individually dealt with all those 23 debts, and managed to settle them for a reduced amounts. By March 9th 2022, we received confirmation from all debt providers that the debts were paid off and closed.
This time last year, we never ever thought things would change for the better.
We do understand, Chapter Two is not a free service, but we strongly believe, its well worth every dollar we paid. Those stressful days are over and no more.
We hope this review will be helpful for someone who is in a similar situation as we were.
We are forever grateful to Chris and his team for giving us a second chance.
Thank you so much Chapter Two.
- Ryan & TJ

Chris was accessible and professional every step of the way. Our home loan refinance proceeded without any issue, making things simple and uncomplicated. Forever appreciative and grateful…

Thank you Chris,
Your quick responses to messages and leading the process has made this time round a relative breeze.
Will certainly be in touch for any future advice.
The loan is all setup and internet banking enrolment is complete.

Thanks again again for your help and support and wish you all the best

Chris was professional and personable. Chris and Chapter Two secured a really good deal for my family with the credit negotiations he undertook on our behalf. He achieved significantly higher savings that we had expected. I cannot recommend Chris and ChapterTwo enough!

We have had a great outcome with ChapterTwo arranging long term arrangements for our outstanding debts. We were in downward financial spiral with no way out until I talked to Chris who was able to create a plan for a debt free future for us. A big thankyou to Mim Zareen who was exceptional in implementing the plan and keeping us informed with every step. We highly recommend using ChapterTwo, its one of the best financial decisions we have made.

We were drowning in debt for years and that day I spoke to ChapterTwo my life changed.
It has taken a year to settle all our debts and Chris and his team have truly given us a 2nd chance which I never thought would be available to me and my family. I would recommend this business and it’s services to everyone who needs help!

My husband and I were drowning in debt and we contacted Chapter Two for assistance. Right from the very beginning we were given fantastic advice and reassurance from Chris. Chapter Two managed to refinance and combine our multiple debts into one manageable mortgage payment per month and it has totally changed our lives. We are now living in a sensible and realistic financial situation and I only wished we reached out to Chris and Chapter Two earlier on. I could not recommend them more highly.

I rarely do reviews and this one is the first one that I have done that is in depth, but my gratitude to Praveena from Chapter Two warrants this review.
If my below burden sounds familiar to you, I suggest you get In touch with chapter Two.
I have been drowning in credit card / loan debt for nearly 10 years. The monthly repayments were equating to over double my mortgage. I had tried to applying to increase my mortgage several times, all were denied though they were happy to give me a personal loan to consolidate but the interest rates were higher than the cards themselves. In 2016 I called a debt consolidation specialist and their best answer was for me to go bankrupt, find enough money for my wife to buy me out of the house and pay 80% of what I was paying monthly for 3 years. I declined their suggestion and they said they will call me again in 2 years when I am still in the same position, which I was, but the thought of bankruptcy was still too much so we continued to battle the debt. In 2018 I decided to go with the debt consolidation loan as we were getting nowhere with lowering the debt, the interest rate was higher but we could not reborrow against the debt. However, I could only get a loan to cover 40% of the debt.
At the beginning of 2020, with the cards again maxed out, I recalculated everything down to the most smallest expense to try and see what it would take to ensure that we did not have to use them and cut them up (like we had done half a dozen times before), to my surprise I could not afford to pay them with out reborrowing from them at some point and my calculations showed that they would remain maxed out. Over the coming months after this lead to depression and self-hatred.
I had finally had enough. I work hard and long hours and it was time to accept the fact that I would have to go bankrupt. Thankfully whilst searching online I was able to find Chapter Two who specialize in informal agreements, not insolvency or bankruptcy.
I originally discussed my position with Chris and he sent me an agreement which outlined the costs based on outcomes and I accepted the agreement.
Praveena handled my case and I supplied her all the details that were required. I followed Praveena's advice and I did not receive any calls from creditors through the whole process.
The results take time and you need to be patient, Praveena knows what to do and will contact you when there is news. I am sure that many others like myself at first thought it was taking to long and would email for an update, but it is important to realize that they are busy fighting for you and others and sending emails to them for reassurance only hinders their already busy schedule.
The whole process took around 9 – 10 months, now all this overwhelming debt is at 0% interest rate, with monthly repayments that overall are less than half that I was paying before. I can now finally afford to pay these debts and live at the same time without constantly being suppressed by the burden of paying these debts.
I cannot express my gratitude enough for what Praveena from Chapter Two has done for me and I honestly do not know where I would be right now if I did not contact Chapter Two.
Seriously if after reading my situation you still have doubts about calling Chapter Two then there is no convincing you. Pick up the phone and call them, take the plunge, stop the debt from crushing you.

Praveena,
Thank you for all you hard work. It cannot be easy doing what you do and you have my respect as well as my gratitude.

My brother in law who has had a brain tumour operation and is no longer able to work was very distressed by his debt that he had no way of paying back. We called ChapterTwo and Chris Mushan was wonderful!-So patient and caring ! He managed to put Colin’s case before the bank and they cleared all his debt!-Thankyou Chris you are a champion and we highly recommend you to anyone who has been through unfortunate circumstances 🙏🏻

Chris and Peter from Chapter Two were able to assist us to refinance our mortgage and settle our credit card debts. The settlement of the debts has greatly helped us to regain some control over our finances and provide a solution to the crippling interest rates that credit cards charge.
The process was fairly straightforward, but some time and information gathering was required. However, the end result was more than worth it.
Thanks ChapterTwo and Chris and Peter!

Chris and the staff at ChapterTwo worked with me to free me from credit care and personal loan debt. It is such a relief. They were knowledgeable, patient and understanding. I cannot recommend them more highly.

Chris and Peter went above and beyond to help us . I had several debts and a mortgage and was finding it hard to manage . They negotiated a settlement price refinanced our mortgage and we are now paying an affordable amount each month

Thank you so much Chapter 2

Terrible customer service,
Were quick to take funds from my account. when ever i called the office and asked to speak with Chris he was never available or not in the office.
I asked for him to call me back any time. and the best response i could get was an Email sent the next day, asking what time is suitable to call. (Seriously)?????

Chris never got back to me with any progression plans or suggestions on a course of action. He advised i stop payments to my creditors as the would deal with them.

For 4 months they direct debited my account weekly.
I decided to block the direct debits, from June 3rd to Aug 10th.
I received 3 email per week regarding failed payment and stating they will try again. this Clown has done nothing but put me further into arrears.
Still.......NOT ONE PHONE CALL.
This Clown has NO IDEA.

Excellent work I recommend anyone to go them they won’t let you down that’s the only company can solve your debt issues even worse cases Chris Mushan great advice and top with any financial situation

I worked with Peter Comino from Chapter Two for two years. Peter was excellent and I can now happily say I am debt free and much better off! Peter genuinely listens and offers brilliant strategies and advice with regard to your financial situation and leverages his relationships with creditors to achieve the best possible outcome. Highly recommend if you are struggling with your finances and want to reclaim your financial freedom.