These resources have been produced with funding from NSW Office of Fair Trading.

Getting Help

  • Getting Help

Financial Hardship

Your rights and options in relation to Financial Hardship.

  • Financial Hardship
  • Mortgage Stress
  • Mortgage Stress – do I need to sell my home?
  • Superannuation Early Release

Getting a loan

Shopping for credit, getting a loan with someone else, going guarantor, using finance and mortgage brokers, your credit report, line of credit loans and home loans with redraw.

  • Need a Loan? (Very general information – also available in Arabic, Chinese, Spanish and Samoan: see Multilingual Information)
  • Before you borrow money
  • Getting a loan with someone else
  • Going Guarantor
  • Your credit report
  • Finance / Mortgage Brokers
  • Line of credit loans and home loans with redraw
  • Refinancing
  • Does the National Credit Law apply?

Problems with your loan

Your rights and options in relation to existing loans.

  • Making a consumer credit insurance claim
  • Dispute Resolution
  • Family Breakdown and Debt (Very general information – also available in Arabic, Chinese, Spanish and Samoan : see Multilingual Information)
  • How do I get copies of my loan documents?
  • Repossession – car and other goods

Financial Counselling

  • Can’t pay my phone debt
  • Drowning in credit card debt
  • Can’t pay your loan
  • Can’t pay my electricity debt

Banking

Find out about common banking problems and how to get your dispute resolved.

  • Unauthorised Transactions
  • Direct Debits from Cheque/Savings Accounts
  • Direct Debits from Credit Cards
  • Chargebacks

Debt collection

Find out about Debt Collectors – what they can and can’t do.

  • Dealing with Debt Collection
  • Debtor Harassment

The Local Court

What to do if you are being or have been sued in the Local Court for a debt.

  • Struggling with a Debt (Very general information – also available in Arabic, Chinese, Spanish and Samoan : see Multilingual Information)
  • Debt Recovery in the Local Court
  • Enforcement of Debts in the Local Court
  • Recovery of Old Debts
  • The Sheriff and seizure of goods
  • Making an application to pay by instalments
  • Making an application to set aside judgment
  • Filing a Defence
  • Transferring to a Local Court Closer to You

Bankruptcy

If you can’t pay your debts and you are considering bankruptcy, find out more about your options.

  • Bankruptcy
  • Debt Agreements

Insurance

If you are having problems with insurance find out more about your options. You can also go to www.insurancelaw.org.au.

  • Making a claim on car insurance
  • What can I do if my car insurance claim is refused?
  • I’ve had a car accident and I’m uninsured!
  • Making a claim on home and contents insurance
  • What can I do if my home and/or contents insurance claim is refused?
  • Your Insurance Report
  • Bushfire Insurance Guide
  • Flood Insurance (NEW)