The Law Handbook 2024

Index 1193 compensation orders 377–8 court fines and penalties 374, 377 debts not wiped by bankruptcy 374 deceased estate 908 fraud 374, 377, 378 friend or relative as guarantor 375 friend or relative, to 375 guaranteed debts 375 HELP debts 374, 378 incurred after bankruptcy 374 joint debts 378 maintenance/child support 376 mortgages 369, 371, 375 non-provable debts 374, 375 provable debts 374 rent 378 restitution orders 377–8 secured debts 374–5 student loans 374 tax debts 376 telecommunications 378 unliquidated damages 374, 375–6 utilities 378 deceased bankruptcy 908 dependant/s of bankrupt definition 373 income threshold amounts and 373 disadvantages 366 discharge 382–3 automatic 382 bankrupt’s obligations after 382–3 objection to 382 divisible property 366, 368 market value 368 vesting in trustee 367 end of 382–3 examination in relation to 381–2 section 77 examination 381 section 81 examination 381–2 extension to 5 years 382 extension to 8 years 382 Federal Circuit and Family Court 367, 372 Federal Court jurisdiction 22, 367 filing for 348, 379 financial counselling 74, 366, 388–94 forced 365 foreign citizens 367 gambling debts 366 guaranteed debts 375 guarantor 375, 435 house and land 371–2 Defence Service Homes Mortgage 372 jointly owned 371, 372 mortgaged 369, 371, 375 protected money, bought with 372 sale of 371 household goods and furniture divisible property, whether 368, 371 security over 375 income of bankrupt 373 actual income threshold amount 373 annual statement 374 contributions to trustee from 373–4 supervised account regime 374 Inspector General in Bankruptcy 367 insurance cancellation of policy 366, 371 divisible property 368 life insurance policies 368 payment of claims 371 refusal of claims 371 refusal to insure 366, 371 involuntary 365, 380–1 joint debts 378 jointly owned property 368, 371, 372 jury service disqualification 24 legal capacity of bankrupts 677 minors 367 mortgages, effect on 369, 371, 375 National Personal Insolvency Index 366, 383 non-bankrupt spouse contribution to purchase of property 372 jointly owned property 368, 371, 372 property in sole name of 372–3 property transferred to 372–3 selling property to 371 non-divisible property 368 non-provable debts 374, 375 offences 379 Official Receiver (AFSA) 367, 370, 379, 382, 384 Official Trustee in Bankruptcy (AFSA) 367 options for managing debt 366–7 overseas travel 378 Part IX debt agreements 383–5 Part X insolvency agreements 385–6 passport, surrendering 378 penalties for offences 379 personal insolvency agreements 385–6 power of attorney revoked 863 presumption of insolvency 373 prior prosecutions, record of 379 procedure 379–82 property of bankrupt 368–73 acquired during bankruptcy 368 antiques 369 awards 369 bank accounts 369–70 compensation and damages 368, 370 divisible property 368 government grants 368 house and land 371–2 household goods and furniture 368, 370, 375 income-producing 368 insurance policies 368, 371 jewellery 369 jointly owned 368, 371, 372 market value 368 mortgaged car 369 mortgaged property 368, 369, 371, 375 motor vehicles 368, 369, 370 non-divisible property 368 retirement savings account 368 superannuation 366, 368, 370, 414–15 trophies 369 vesting in trustee 367, 368 property of non-bankrupt spouse 372–3 jointly owned 368, 371, 372 protected money 372 house bought with 372 provable debts 374, 375 not wiped by bankruptcy 374 public examination 381–2 purpose of 366 record of 366 secured debts 374–5 creditor’s right to sell security property 374 trustee’s right to sell security property 375 sequestration order 380 statement of affairs 381 superannuation contributions after bankruptcy 370 contributions before bankruptcy 370 divisible property, whether 368, 370 protected payments 366 supervised account regime 374 tax debts 376 tax refunds 376 trustee AFSA as 367 challenging claim to equity in property 372 claim to equity in property 371 contributions to 373–4 Official Trustee in Bankruptcy 367 power to sell property 371 private 367 property vesting in 367, 368 right to sell security property 375 types of proceedings 365 unliquidated damages debts 374, 375–6 voluntary 365, 379–80 what is 365 who can be made bankrupt 367 workers compensation where employer bankrupt 948 Banyule Community Health, Heidelberg 391 barristers see lawyers Barwon Community Legal Service 88, 895 Barwon Disability Resource Council 792 Basics Card 333 behaviour change programs drink-driving and drug-driving offenders 655 Bendigo Family and Financial Services 392 Shepparton 393 bereavement benefits 924 bereavement allowance, end of 314 portability 336 taxation 337 besetting 1049 bestiality 155 Better Place Australia 264, 389, 894 Broadmeadows 390 Cheltenham 894 Elder Abuse Prevention Service 894 Fitzroy 391 Geelong 393 Greensborough 391 Wyndham Vale 392 BetterHealth website 859 Bicycle Network (Victoria) 670 bicycles 660–71 accidents 670 aggression towards cyclists 670 bicycle carriers 667 bicycle lanes 664, 666 bicycle paths 667