Water debt

[box type="note" icon="none"] Use this information sheet if You are having problems paying your water bill Your water business is demanding that you pay more than you can afford You want to kno...

Electricity and gas debt

Use this information sheet if: you are having trouble paying your electricity or gas bill; or you want information about payment arrangements and your rights. You do have rights under the E...

Home Repossession

[box type="note" icon="none"] Use this Fact Sheet if: You are being pursued for payment of a debt; and You are threatened with court action to take possession of your home or other house or land....

Debt Collection – Seeking Compensation in VCAT

Use this factsheet if you: are being hassled by a debt collector think that a debt collector or a creditor might be acting unfairly or unlawfully want to seek compensation for the distress...

Advocating for vulnerable, low income debtors

Low-income debtors often get the worst deal when it comes to dealing with debt—inaccessible or weak hardship assistance, particularly for those in long-term hardship; misleading or severe debt collect...

What if I have been sued for a debt?

Key message Act quickly to get advice if you have been sued for a debt in the Magistrate’s Court of Victoria. The Magistrates Court Process If the amount owed is $100,000 or less, a creditor...

Credit limit offers in the spotlight

We've all seen letters or messages from banks trying to entice us to increase our credit card limits. They come in a range or forms from Congratulations, you’ve been pre-approved, to Increase your cre...

Do I have to pay an old debt?

Key Messages: There are time limits for taking legal action.  This means that your debts may become too old for a creditor to successfully take legal action against you. Get advice before maki...

Debt collection

Consumer Action regularly receives complaints from consumers that are persistently contacted by debt collectors. In our experience, most debtors that contact our services have a genuine desire to repa...

Briefing paper: Credit reporting and responsible lending

The Australian Law Reform Commission (ALRC) recently recommended that some additional types of information should be allowed on individual credit reports, but that repayment history information should...