For Consumers
DEMASA was established to protect you. Use this page to understand debt mediation, know your rights, verify a provider, and contact an accredited provider directly.
What Is Debt Mediation?
Debt mediation is a voluntary process where a consumer works with an accredited provider to restructure and manage their debt repayments — creating an affordable arrangement that works for both the consumer and their creditors.
It is not the same as debt review and does not involve a court process. The goal is a workable, realistic repayment plan — agreed between you and your creditors through a qualified mediator.
How Your Money Is Protected
With a DEMASA Authorised Provider, your funds are handled exclusively through an attorney trust account. The attorney oversees all financial flows, maintains a complete audit trail, and ensures your payments reach the correct creditors.
You remain in control at all times. You must give written consent before anything begins, and all fees must be clearly disclosed in writing before you pay anything.
How to Choose and Verify a Provider
Always Check the Register
Before engaging any debt mediation provider, check the DEMASA Public Register. A DEMASA Authorised Provider has been independently verified, uses an attorney trust account, and has signed our binding Code of Conduct.
Check the Register →Know What You Should Be Charged
A DEMASA Authorised Provider may only charge one assessment fee — disclosed in writing before any service begins. If a provider charges multiple undisclosed fees or requests payment without a written agreement, report it to DEMASA immediately.
Verify Your Provider's Number
Every DEMASA provider carries a unique DEMASA-P-XXXX Membership Number. This must appear on all contracts. Verify any number instantly below or on our public register.
Submit a Complaint if Needed
If a provider charged undisclosed fees, mishandled your funds, or misrepresented their services — DEMASA can investigate. Anonymous complaints are accepted. No lawyer required.
Submit a Complaint →Verify a Provider Instantly
Enter a DEMASA Membership Number to confirm whether a provider is currently Active and accredited.
Request Contact From an Accredited Provider
Submit your details below and DEMASA will refer your enquiry to an accredited provider in your area. All providers are independently verified and operate under our Code of Conduct.