The Australian debt negotiation company has developed a financial technology platform for individuals to manage debt through their mobile devices at any time. Chapter Two specialises in personal debt and mortgage solutions, and acts as an intermediary between debtors and creditors and proposes a solution that benefits all parties. The company aims to prevent clients from bankruptcy or debt agreement by strengthening their credit scores, rather than prevent people to take out any future credit. It focuses on clients who cannot meet traditional lenders' lending criteria and facing financial hardship with mounting debts, including credit cards and personal loans.