Debt and bankruptcy

Find out more about debt including what it is and ways to get help.

Find out what your rights are if you are in debt.

Find out about debt collection and the law, including how to make a complaint if you are being harassed by a debt collection agency.

Find out what a creditor can do to recover debt, if the court makes a judgment against you.

Find out about the notices or letters creditors may send to you if you owe them an overdue debt.

Find out what your options are before a creditor rakes legal action against you for not repaying a debt.

Find out what to do if someone takes you to court over an unpaid debt.

Find out how you can file a defence against a creditor if you owe a debt.

Learn about court orders and judgment debts if you owe a creditor a debt, and what you can do.

Find out what to do if a court makes a judgment against you in a debt case, and you summonsed for an oral examination.

Find out about instalment orders and how you can pay off debt through set amounts in set intervals

Find out what bankruptcy is and help available. You can get legal advice, free financial counselling and access to complaint resolution services.

Find out about warrants and what happens if you receive a warrant to seize property and assets including your home.

Find out why you may not have to repay a debt. This could be because you have a defence, you receive payments from Centrelink or Workcover, or the debt is old.

Find out where to get legal help and support from other community services for debt and bankruptcy.