Fact Sheets

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)