Why TTJ Advisory chooses integrity and trust over testimonials.

Most people in financial crisis wait too long, act too late, and end up losing more than they need to. Without expert help, creditors recover just 2.42 cents per dollar owed. With a professionally managed Personal Insolvency Agreement (PIA), that figure jumps to 10.36 cents—over 4x better outcomes for all parties involved. Our proven 5-step action plan will help you: Understand your financial position Avoid irreversible mistakes Explore all available solutions Regain control

A Personal Insolvency Agreement (PIA) is a legal alternative to bankruptcy that allows you to settle unmanageable debt through a formal deal with creditors. Success depends on five key elements: realistic repayment terms, full disclosure of assets, clear timelines, contingency planning, and professional proposal presentation. Most DIY attempts fail—here’s how TTJ Advisory helps turn "no" into "yes."

According to recent ASIC data, over 7,400 Australian companies entered external administration in 2023—an alarming 47% increase from the previous year. Despite headlines focusing on big corporate collapses, it’s small businesses bearing the brunt of the crisis. If current trends continue, Australia is on track to exceed historical records for corporate insolvency by the end of the financial year.