Debt
Debt is money that is owed to another person or organisation through an agreed contract. This topic has information on the legal rights of debitors and creditors and ways to resolve debt.
Bankruptcy
Information about bankruptcy and organisations that provide legal advicefor people who are bankrupt, at risk of being made bankrupt or considering becoming bankrupt.
Debtors' rights
An explanation of your rights if you are in debt.
Debt collection
Information about debt collection and the law, including how to make a complaint if you are being harassed by a debt collection agency.
Options before legal action
A description of your available options before a creditor takes legal action against you for not repaying a debt.
Creditor notices and letters of demand
Explains the notices or letters creditors may send to try to get you to pay an overdue debt.
Notice of legal action – being sued
An explanation of what happens if a creditor takes you to court over an unpaid debt.
Reasons you might not have to pay your debt
Reasons why you may not have to repay a debt include if you have a defence, if you receive payments from Centrelink or Workcover, if the debt is old or if you are, or may become, bankrupt.
Other support for debt and bankruptcy
Learn where to get legal help and other support for debt and bankruptcy.
Publications and resources
Updated