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Aravanis
Neil C.Perth, WA
- 2 reviews
Bankruptcy
Hi All
My bankruptcy estate was handled by Aravanis and as much as we all cringe at the word it’s an event that can happen to the best of us. I wasn’t a dodgey person who tried his luck and went bust but got separated and trying to maintain to households broke me.
Aravanis were very professional and to the point during my bankruptcy period however I would like to note that things were made a lot better by having a very good account supervisor at this group by the name of Luke De Costa. He made everything very clear and had a very good amicabl...Read more
e work ethic that made the whole ordeal a lot more bearable. I managed to pay off what was asked of me and am now no longer bankrupt and have said my goodbye on a good note to Aravanis and Luke, cheers mateSimilar opinion? Write a review on ProductReview.com.au!
TristanSydney, NSW
Very helpful people
I received invaluable guidance from them regarding bankruptcy even though i wasn't a customer.
Jenny answered all of my questions and made the whole process far more simple and easy to navigate.
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Professional service & support
Aravanis service and advice made the difficult situation a lot easier. The response was prompt and administration cost was fair.
Thanks Aravanis and Luke for providing professional service and support.
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DeborahSydney, NSW
- 2 reviews
Understanding, informative and non judgemental
A massive thank you to Jenny Peterson / Aravanis
Informative, compassionate, great listener ( even through my blubbering on the phone) understanding of the stress debt causes, followed through with everything she said she would do so quickly, explained steps so well and I felt so supported with no judgement. Here's to a brighter future
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CindyGreater Melbourne (Inner), VIC
- 2 reviews
- 1 like
I feel so much at ease
I am so happy I can see the light at the end off a very dark tunnel I was heading down but thanks to you jenny I'm not going to be scared to answer the door or the phone once again I'm very much appreciated what you have done for me
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LeeSydney, NSW
Life saver
Just want to say that I can’t thank enough to Jenny Peterson from Aravanis, without her professional advise, excellent support and friendly help I won’t be able to put those massive stress and worries at ease, now I can see a light at the end of tunnel and have a fresh start.
Highly recommended if you are going through tough time in your life.
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BenPerth, WA
- 2 reviews
- 1 like
Aravanis helped me when I needed it.
Aravanis have been outstanding. I got myself in a mess with finances and had know where turn. Aravanis assisted me and got me back on track. The service received from Luke was caring, prompt and made me feel like I could start again. Thanks Aravanis and Luke.
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DarrellPerth, WA
Relieved to say the least
I called Aravanis after reading most of the positive comments . They have been completely true to their word and I can’t say enough about the professional manner my situation has been dealt with .
Jenny , in particular , has been extremely sincere and sensitive in all of the contact I’ve had with her .
Thanks so much , Darrell
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Exceptional Service
I was very embarrassed and stressed to contact Debt Relief but upon taking the courage to call I was answered by a very professional,friendly,empathetic lady called Jenny.
She explained everything thoroughly and in a way that I could totally understand. She was very professional and sent me exactly what she said she would.
She made a terrible ,stressful situation, easily understood and put my mind at total ease.
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CoVID-19 casualtySouth East Queensland, QLD
Don't pay high costs or get misinformation
We had been dealing with another company to process bankruptcy, being charged $7000 for us both just applied more pressure and stress. Then we got a call from John and was immediately provided accurate in info and even looked over our paperwork before filing free of any charge, yes, free and now we are free of debt and can breath. Please reach out to this company as debt will not go away, clear information is key and you will find it here, thanks Fox Symes.
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Ross B.South East Queensland, QLD
Made a difficult situation a lot easier
Aravanis were helpful from the word go. Information was provided quickly and any I had questions were responded to promptly. Fantastic when I had to travel overseas for family emergency
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Helpful and makes it easy as possible
John from Aravanis helped me with my case and he was amazing. Always answered any questions I had, explained things properly and made things so easy overall. Thank you so much. Highly recommended if considering bankruptcy.
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Paul B.Gippsland, VIC
Excellent Support
In this time of stress and worry, I found my contact, Jenny Peterson to be extremely helpful and friendly and was always there to answer my questions and offer me good advice. Prior to speaking with Jenny I was very worried about making this decision but with Jennys' help I was able to make an informed and I believe a correct decision to make take this step.
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Disillusioned BankruptcySydney, NSW
Not my experience!
Aravanis supplied me with incorrect information from the start not providing all options. Told intnl travel would be easy but my experience I had to beg and show proof that I needed to go by showing the program. When I applied that I was suffering hardship it got rejected with lame excuses, yet they had no problem charging additional fees all the time. They are untrustworthy advisors and I’m not the first to say it, talk to AFSA Commission they know them well. Hope this safes some of your heartache in the most difficult time.
3 comments
Once again you have not explained why your people who sign You up do not provide all options. Can you advise is their a higher commission for signing someone with a debt agreement vs bankruptcy? And w... Read more
hy do you not explain the consequences of having your name registered for a long period of time, so no one wants to deal with you?AravanisAravanis
Hi again,
Thank you for your response.... Read more
Given the nature of this platform, we’re unable to discuss the particulars of your circumstances due to privacy. So while we can’t address the claims you’ve raised by providing specific responses to your situation, what we can do is provide you with the following general information. Our staff members, including our trustees, accountants and consultants are salaried employees who do not receive commissions for any of the work they complete, which includes providing people with information regarding bankruptcy, personal insolvency or any other options. Furthermore, when people do elect to file for bankruptcy, we don’t charge any fees to help people through that process - regardless of whether or not we’ll be consenting to act as their trustee. In addition to our website containing a wealth of information on all personal insolvency options (including their benefits and consequences), all initial emails from us contain a number of attachments that we send as standard. Of these attachments, AFSA’s Personal Insolvency Information for Debtors booklet is included (https://www.afsa.gov.au/sites/default/files/forms/personal_insolvency_information_booklet_for_debtors.pdf) which also provides information on all personal insolvency options - including a side by side comparison of Bankruptcy, Debt Agreements and Personal Insolvency Agreements. Additionally, it provides information on the NPII. We also provide a copy of the current Indexed Amounts, which outlines the relevant thresholds for all personal insolvency options - including eligibility thresholds regarding income, assets and unsecured debt for debt agreements. The thresholds are indexed, meaning that they increase twice per annum and the current thresholds as of June 2020 will vary from the thresholds applicable at the time you voluntarily became bankrupt (assuming it wasn’t in the last 3 months). For access to historical thresholds, please see the following link: https://www.afsa.gov.au/sites/default/files/200320_afsa_historical_indexed_amounts.pdf If you filed for bankruptcy prior to January 2020, you’ll have signed the following Prescribed Information document (as it’s a requirement when voluntarily becoming bankrupt): https://www.afsa.gov.au/sites/default/files/forms/prescribed_information.pdf The document not only outlines all options, it further outlines the consequences of bankruptcy, including the length of time this option will appear on a credit file and it also discusses the NPII. The signature area for this document immediately follows a declaration that says: I acknowledge that I have received and read the prescribed information. If this document is not read and acknowledged by way of signature, your application to become bankrupt cannot be processed. The new application form introduced in 2020 is of a different format, however, it too includes the prescribed information and a person is required to acknowledge that they have read and received this information in order to become bankrupt. We understand that you’re frustrated and we too want to find a solution, while maintaining our obligations as a trustee. The review you’ve requested through the inspector-general will help to facilitate that solution and we look forward to working with you throughout the remainder of your administration. Best Regards, The Team at AravanisSimilar opinion? Write a review on ProductReview.com.au!
Stress free finallyGreater Melbourne (Outer), VIC
In a stressful time, a pleasure to deal with
Easy to deal with and very helpful and honest. Took the stress right out of everything. Would recommend to anyone in this situation. The advice was tailored to my circle and appreciated.
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Great service & support
Just wanted to say 'thank you' to Madeleine Wilson for all her support, advice and assistance she has given me during this changing chapter of my life.
Madeleine explained every detail of the process and was always available to call me back with answers on any queries i had - great customer service!
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MikeSouth East Queensland, QLD
Highly Recommend Aravanis
Madeleine Wilson your awesome. first contacted Madi Aug/2019, she quickly replied and even called me, put me at ease straight away, never judgmental just understood these things happen, took me till now May/2020 to make the decision to go ahead, once again Madi's quick response and friendly and helpful attitude put me at ease, cannot thank her enough, if your going through this tough time flick her an email, Madi will help you out, just wish I had lodged last year, I would be nearly 12 months into my 3 years. Thanks Madi.
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FionaPerth, WA
Highly recommend Aravanis!
Lauren was unbelievably helpful. She eased my anxiety and made this whole process so simple for me. I had been putting off the inevitable and had been finding the process overwhelming, after talking to a company that tried to charge large sums of money to help me I was given the information by my sister for Lauren at Aravanis. She talked me through the whole process, listened (no judgement) and made sure I was ready to go ahead. Everything was sent to me in a step by step guide and the process was done in less than 24hrs. I can’t thank her enough for her assistance. Now I can have a fresh start!
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If you’re going under, give them a call, they don’t judge
John has been fantastic to deal with throughout the whole process. Never judgemental, just provided honest and extremely helpful advice. Nothing was a hassle at any time, even answering questions after hours. If only I’d taken their advice earlier instead of trying to fight on with no end in sight. Now we can see a light at the end of the tunnel. Thankyou.
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PeteMetropolitan Adelaide, SA
- 2 reviews
- 1 like
Huge weight lifted, shame I didn't find them earlier. Highly Recommended.
Proven to be prompt, professional communicators they have a down to earth attitude and will tell you as it is without sugar coating it and then show you how best to aproach your situation. Dealing with John has been a breeze and he demonstrated compassion and understanding when it was needed. He was responsive to my questions and concerns and addressed them without making me feel less of myself. Following his guidance the entire process was efficient with the least amount of stress. I'm convinced that he worked tirelessly behind the scenes. Thank You John and who-ever you are working with.
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Questions & Answers
Sue W.asked
Hi can you advice me please I have a large dept with a business partner.i resigned from the business in 2017.but still have my name on the trust.if I go bankrupt how does this affect my business partner?
Thankyou
I look forward to hearing from you.
Cicilia
1 answer
AravanisAravanis
Hi Cicilia,
Thanks for reaching out.
While we’d love to give you a simple answer, that’ll be tricky because this isn’t a simple question.
The outcomes will vary depending on the particulars of you and your business partner’s situation.
It might be a good idea to make an enquiry with us directly and have a chat with one of our consultants.
Our number is 1300 369 168 or you can email your contact details through to enquiry@aravanis.com.au and we’ll call you.
We look forward to speaking with you soon,
The Team at Aravanis
Details
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AravanisAravanis
Hi There,
Thank you for taking the time to write about your experience and we apologise for the frustration and difficulties you’ve described. ... Read more
In order to protect your privacy, we won’t be able to provide specific responses to your complaint via this platform. However, we can provide some general information regarding some of the issues raised. When we receive a request for international travel, we’re obligated to review the situation and determine if the bankrupt person is meeting their obligations and complying with any requests for information. Additionally, we need to consider if there are any outstanding matters that might require the person’s physical presence in Australia or if the person is potentially a flight risk. Because we have this obligation as a Bankruptcy trustee, we are required to request information that will aid us in making those determinations. In respect to fees, trustees are entitled to be remunerated for administering a bankrupt estate and this is the case whether the trustee is a Registered trustee in private practice (like us) or the Official Trustee (AFSA). While there are multiple methods a trustee can use to calculate fees, we tend to use the time hourly rate, as it’s commensurate with the work performed during the administration. Ultimately though, any fees or charges a trustee might have are not paid by the bankrupt person directly (unless they’re seeking an annulment of the bankruptcy). Instead, those fees and charges (in addition to any government levies) are deducted against available funds in the bankrupt estate, subject to creditor approval. Available funds tend to arise if the person needs to make mandatory income contributions during the administration or if there are any assets that aren’t protected. In the event that there are no funds in an administration, the trustee’s fees, costs and government levies won’t be paid. When hardship applications are reviewed, the trustee needs to make a determination based on the information made available to them and also the relevant provisions of the Bankruptcy Act (http://classic.austlii.edu.au/au/legis/cth/consol_act/ba1966142/s139t.html) that may be applicable to your circumstances. In the event that a person doesn’t agree with a decision we’ve made regarding an income assessment or hardship application, we would suggest that they seek a formal review of our decision through the Inspector-General. It sounds like you’ve requested a review through the regulator already, which was a good course of action to take. Once we have an outcome for that review, we hope to be able to resolve any outstanding issues (if applicable) and then focus on working together moving forward. Best Regards, The Team at Aravanis