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How to use this page: Click the coloured dot on any option to cycle through statuses — grey (not discussed), red (not pursuing), orange (considering), green (pursuing). Tick the envelope icon on options you want to include in a client email, then use the panel below to send. Status and notes are saved between sessions.
Status:
Not discussed
Not pursuing
Considering
Pursuing
Immediate / General
Don't pay / don't do anything
#dont-pay
✉
Keep paying (Priority Debts)
#priority-debts
✉
Budgeting (MoneySmart Budget)
#budgeting
✉
Review of significant expenditure
#review-expenditure
✉
Notes
Income
Increase income / Second job / New Business Assistance (NEIS)
#increase-income
✉
Sell an asset
#sell-asset
✉
Tax refund?
#tax-refund
✉
Debt Management
Negotiate a payment arrangement — moratorium or hardship variation
#payment-arrangement
✉
Accommodation
#accommodation
✉
Energy / EAPA (NSW) / URGs (Vic) / Paying for utilities
#energy-eapa
✉
Consolidate into personal loan / balance transfer
#consolidate
✉
Refinance car loan / Refinance mortgage
#refinance
✉
Mortgage redraw
#mortgage-redraw
✉
Notes
Support
Assistance from family / friends / community?
#family-friends
✉
Superannuation
#superannuation
✉
NILs / Centrelink Advance
#nils-advance
✉
#home-equity
✉
Resolution
Reduced settlement offer
#reduced-settlement
✉
Notes
Write off / waiver
#write-off
✉
Is there a legal way out? Maladministration? Unjust loan contract?
#legal-way-out
✉
Statute barred?
#statute-barred
✉
Insurance?
#insurance
✉
Notes
Formal Options
Informal debt agreement
#informal-debt-agreement
✉
Debt Agreement (Part IX)
#debt-agreement
✉
Personal Insolvency Agreement (Part X)
#pia
✉
Notes
Bankruptcy
#bankruptcy
✉
Wellbeing
Self care
#self-care
✉
Other
#other-1
✉
Notes