Financial counsellors can provide free, confidential and independent advice about debts, money management and the Money that is owed by one person or business to another. recovery system.
They A written law made by parliament. Also called an ‘Act of parliament’, ‘statute’ or legislation. as negotiators with creditors, and provide paralegal advice on A debt that does not have to be paid until some future time. Being allowed to pay later, in the future, for something you are getting now., debt and When a debtor who cannot pay their debts has their money and property taken over and managed by a trustee who uses it to pay back creditors. The debtor is then called a bankrupt.. A directory of financial counselling organisations is in Chapter 5.4: Financial counselling services.
If you need to seek legal advice, you can contact the Under the Australian Consumer Law, a person who buys goods or services for less than $40 000 or for personal or home use. Action Law Centre, your local community legal centre or VLA (see Chapter 2.4: Legal services that can help, for contact details).
Consumer Action Law Centre
The Consumer Action Law Centre (CALC) provides free legal advice and representation to vulnerable and disadvantaged consumers across Victoria. CALC advise you about whether you have grounds to dispute a debt. CALC’s website has fact sheets about credit and debt.
Tel: 1800 466 477 (Monday, Wednesday, Thursday and Friday, 10 am to 1 pm)
Consumer Affairs Victoria
You can contact Consumer Affairs Victoria (CAV) about debt problems.
Tel: 1300 558 181
CAV has offices in metropolitan and regional Victoria; see CAV’s website for addresses.
Community legal centres
Assistance and advice can also be obtained from a community legal centre (CLC). To find your nearest CLC, visit www.fclc.org.au. There is also a list of CLCs in Chapter 2.4: Legal services that can help.
National Debt Helpline
The National Debt Helpline is a not-for-profit Formal delivery of legal documents to a person to tell them there are court proceedings against them which they must defend, or to make sure a witness in a case knows when they have to go to court to give evidence. that is available nationwide. Professional financial counsellors provide free, confidential and independent financial advice. The National Debt Helpline does not loan money.
Tel: 1800 007 007
Victoria Legal Aid
The Victoria Legal Aid (VLA) website has information and resources to help those in debt. VLA also provides assistance over the phone, via its legal help line.
Tel (legal help line): 1300 792 387
VLA has offices in metropolitan and regional Victoria; see VLA’s website for addresses.