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These resources are provided for general information only. All links go to independent government, community sector or regulatory websites. Resources are relevant to NSW residents. Click any anchor tag (e.g.
#electricity) to copy a direct link to that category.
Income
After Tax Salary
#after-tax-salary
ATO Tax Withheld Calculator
Check whether the right amount of tax is being withheld from wages or salary.
Moneysmart — Income Tax
Plain English overview of how income tax works, including marginal rates and offsets.
Fair Work Pay Calculator
Calculate minimum pay rates, allowances and entitlements under awards and agreements.
Investments / Interest
#investments-interest
ATO — Investments and Assets
Tax obligations on interest, dividends and other investment income.
Moneysmart — Investing
Guide to understanding different types of investment and associated risks.
Rental Income or Board
#rental-income
ATO — Rental Properties
Tax treatment of rental income, allowable deductions and record-keeping requirements.
Centrelink (before deductions)
#centrelink
Services Australia — Payment and Service Finder
Find out which Centrelink payments a person may be eligible for based on their situation.
myGov
Access and manage Centrelink payments and correspondence online.
Family Tax Benefit A
#family-tax-benefit-a
Services Australia — Family Tax Benefit Part A
Eligibility, current rates, income limits and how to claim FTB Part A for dependent children.
Family Tax Benefit B
#family-tax-benefit-b
Services Australia — Family Tax Benefit Part B
Eligibility and rates for single-income and single-parent families, including the immunisation requirements.
Rent Assistance
#rent-assistance
Services Australia — Rent Assistance
Check eligibility, current threshold amounts and maximum rates for Rent Assistance.
Child Support (received)
#child-support-income
Services Australia — Child Support
How the child support scheme works, including assessment and collection options.
Services Australia — Child Support Estimator
Estimate child support amounts based on income and care arrangements.
Housing
Rent
#rent
Tenants' Union NSW
Comprehensive guides on tenant rights, rent increases, ending tenancies and disputes in NSW.
NSW Fair Trading — Renting
Official NSW government information on rights and responsibilities for tenants and landlords.
NSW Civil and Administrative Tribunal (NCAT)
Resolve rental disputes about bonds, repairs, rent increases and terminations.
Rates
#rates
Central Coast Council — Rebates and Hardship Assistance
Pensioner rebates (up to $250), payment plans and hardship assistance for council rates and water bills. Phone 02 4306 7900.
Service NSW — Pensioner Council Rates Rebates
Eligibility criteria and how to apply for pensioner rebates on council rates across NSW.
Office of Local Government — Rates and Pensioner Concessions
Overview of how council rates work in NSW, including hardship provisions and pensioner entitlements.
Insurance — House and/or Contents
#insurance-home-contents
Moneysmart — Home Insurance
What to look for in a home and contents policy, and how to compare cover.
Australian Financial Complaints Authority (AFCA)
Lodge a complaint about a home or contents insurer. Free and independent service.
Repairs and Maintenance
#repairs-maintenance
Tenants' Union NSW — Repairs Factsheet
Explains urgent vs non-urgent repairs, and how tenants can compel landlords to act.
NSW Fair Trading — Repairs and Maintenance
Landlord and tenant responsibilities for keeping a rental property in good repair.
Landlord Insurance
#landlord-insurance
Australian Financial Complaints Authority (AFCA)
Free, independent dispute resolution if a landlord insurance claim is denied or disputed.
Moneysmart — Insurance Overview
General guidance on understanding insurance products and knowing your rights.
Storage
#storage
NSW Fair Trading — Resolving a Problem
Consumer rights when dealing with storage facilities, including disputes and lost goods.
Body Corporate / Strata Fees
#body-corporate
NSW Government — Strata
Rights and obligations for owners and residents in strata schemes, including levies and disputes.
NCAT — Strata Disputes
Resolving disputes with strata committees or other owners through the tribunal.
Utilities
Electricity
#electricity
Energy Made Easy (AER)
Government comparison tool to find better electricity deals in NSW. Run by the Australian Energy Regulator.
NSW Government — Energy Rebates and Assistance
NSW rebates for low income households, medical needs, and energy bill relief programs.
Energy & Water Ombudsman NSW (EWON)
Free, independent complaints and dispute resolution for electricity billing and hardship issues.
Services Australia — Energy Supplement
Ongoing assistance with energy costs for Centrelink payment recipients.
Gas
#gas
Energy Made Easy (AER)
Compare gas plans and retailers across NSW. Government tool, no commercial bias.
Energy & Water Ombudsman NSW (EWON)
Complaints and hardship assistance for gas billing disputes.
Water
#water
Central Coast Council — Water Hardship and Rebates
Payment plans, pensioner rebates (up to $175/year on water) and hardship assistance for Central Coast water bills. Phone 02 4306 7900.
Energy & Water Ombudsman NSW (EWON)
Dispute resolution for water billing and hardship issues across NSW water utilities.
Sydney Water — Help With Your Bill
BillAssist hardship program, payment plans, Payment Assistance Scheme (PAS) and rebates.
Hunter Water — Get Help Paying
Payment extensions, Easy Pay instalments, pensioner rebates and personalised hardship support.
Mobile / TIO
#mobile
Telecommunications Industry Ombudsman (TIO)
Free, independent complaints service for unresolved mobile phone disputes.
ACCC — Telecommunications
Consumer rights information for mobile services, including billing and contract disputes.
Home Internet / Landline
#internet-landline
Telecommunications Industry Ombudsman (TIO)
Complaints about internet and landline services, including NBN connection issues.
ACCC — Internet Services
Your rights regarding internet speeds, NBN promises and service reliability.
Streaming (Foxtel, Netflix etc.)
#streaming
ACCC — Consumer Rights
Your rights when cancelling subscriptions, including free trials that convert to paid.
Moneysmart — Track Your Spending
Review subscriptions and memberships, and cancel those you no longer use.
Transport
Petrol
#petrol
FuelCheck NSW
NSW Government tool to find the cheapest fuel at nearby service stations in real time.
ACCC — Petrol Price Cycles
ACCC buying tips and charts showing the best days to buy fuel in major cities.
Registration
#registration
Service NSW — Vehicle Registration
Renew, check or transfer vehicle registration, including concession options.
Service NSW — Registration Concessions
Check eligibility for pensioner concessions on vehicle registration.
Service / Tyres / Repairs
#vehicle-repairs
NSW Fair Trading — Motor Vehicle Repair Industry
Consumer rights when dealing with mechanics, including getting quotes and disputing charges.
ACCC — Buying, Hiring and Repairing Cars
Consumer guarantees for vehicle repairs and your rights when work is done poorly.
Car Insurance
#car-insurance
Moneysmart — Car Insurance
Comparing comprehensive, third party and CTP cover, including what each policy covers.
SIRA — CTP Insurance NSW
State Insurance Regulatory Authority information on Compulsory Third Party (green slip) insurance.
AFCA — Insurance Disputes
Free dispute resolution for denied or disputed car insurance claims.
Tolls
#tolls
Service NSW — Toll Relief
NSW Government $60 weekly toll cap rebate for regular toll road users.
Roadside Assist
#roadside-assist
Moneysmart — Buying a Car
Understanding purchase and ongoing costs including registration, insurance, servicing and fuel.
Parking
#parking
Revenue NSW — Fines
Options for managing parking fines, including internal review, payment plans and hardship.
Drivers Licence
#drivers-licence
Service NSW — Driver Licences
Renew, replace or upgrade your licence, including costs and identity requirements.
Revenue NSW — Difficulty Paying Fines
Options when fines are unpaid, including lifting licence suspensions through payment plans.
Children, Self Education & Work Expenses
Child Care / Pre-school / After-school Care
#child-care
Services Australia — Child Care Subsidy
Eligibility, activity test requirements and how to claim the Child Care Subsidy (CCS).
Department of Education — Child Care Subsidy
Government policy information on the Child Care Subsidy system and approved providers.
Disposable Nappies, Wipes, Formula etc.
#nappies-formula
Services Australia — Newborn Supplement
Lump sum and ongoing supplement for families with a new baby or recently adopted child.
Ask Izzy — Baby and Family Essentials
Find local services providing baby items, nappies, formula and family essentials in your area.
Foodbank NSW & ACT
Emergency food relief including baby supplies for families in need.
Child Support Payment (paying)
#child-support-payment
Services Australia — Child Support
How child support assessments are calculated and options if you cannot pay.
Legal Aid NSW — Family Law
Free or low-cost legal help with child support disputes and appeals.
Extra-curricular Activities (Sport & Music etc.)
#extra-curricular
Service NSW — Active Kids
NSW Government vouchers to offset the cost of sport and active recreation for school-aged children.
Service NSW — Creative Kids
Vouchers toward the cost of creative and cultural activities for school-aged children.
Laptops, iPads etc.
#laptops-devices
NSW Department of Education
Information on device programs and digital access support available to students in NSW schools.
Good Shepherd — No Interest Loans Scheme (NILS)
Interest-free loans of up to $2,000 for essential goods including computers and devices.
Pocket Money
#pocket-money
Moneysmart — Teaching Kids About Money
Age-appropriate resources for helping children develop healthy money habits.
School Books and Photos
#school-books
NSW Department of Education — Financial Assistance
School-based assistance including the Assisted School Travel Program and cost relief schemes.
School Excursions and Camps
#school-excursions
NSW Department of Education — Financial Assistance
Programs to support families with the cost of school activities and excursions.
The Smith Family
Educational assistance programs for children from low-income families, including activity support.
School Fees or Levies
#school-fees
NSW Department of Education — Financial Assistance
Help with school-related costs for families experiencing financial difficulty.
P&C Federation NSW
Information on what schools can and cannot charge, and how to raise concerns about fees.
Uniforms, Shoes and General Clothing (Children)
#uniforms-clothing
The Smith Family — Learning for Life
Support for school uniforms and essentials for children from low-income families.
Salvation Army — Emergency Relief
Emergency assistance for clothing, shoes and school supplies through local Salvos stores and services.
Self Education
#self-education
Study Assist (Australian Government)
Government information on student loans, HECS-HELP and financial assistance for higher education.
ATO — Self-Education Expenses
What self-education expenses can be claimed as tax deductions when study is work-related.
Professional Development
#professional-development
ATO — Work-Related Education Expenses
Tax deductions available for training and professional development costs related to your current work.
Fair Work — Leave Entitlements
Overview of leave entitlements including annual leave, personal leave and other types of leave. Study leave may be provided under awards or agreements.
Membership, Licence & Union Fees for Work
#membership-union
ATO — Work-Related Deductions
Union fees, professional memberships and work licences are generally tax deductible. Check eligibility here.
Uniforms for Work
#uniforms-work
ATO — Clothing and Uniform Expenses
What work clothing and uniforms can be claimed as tax deductions and the record-keeping required.
Insurance & Health
Health Insurance
#health-insurance
Private Health (Australian Government)
Government comparison tool for private health insurance. Search and compare policies without commercial bias.
Private Health Insurance Ombudsman (PHIO)
Free complaints service for disputes with private health insurers.
Moneysmart — Health Insurance
Guidance on whether private health insurance makes financial sense given your circumstances.
Life Insurance
#life-insurance
Moneysmart — Life Insurance
What life insurance covers, how much cover you may need, and how to compare policies.
AFCA — Insurance Disputes
Free, independent dispute resolution if a life insurance claim is denied or delayed.
Funeral Insurance
#funeral-insurance
Moneysmart — Funeral Insurance
Important consumer warnings about funeral insurance, including policies where total premiums can exceed the payout.
AFCA — Insurance Disputes
Disputes about funeral insurance claims or policy terms.
Doctors and Specialists
#doctors-specialists
HealthDirect — Find a Health Service
Find bulk billing GPs, specialists and health services near you. Australian Government funded.
Services Australia — Medicare
What Medicare covers, how to claim, and how to understand your Medicare Safety Net.
Services Australia — Health Care Card
Concession card for reduced cost health services and PBS medicines for eligible people.
Medications, Chemist, Health Shop
#medications
Pharmaceutical Benefits Scheme (PBS)
Search subsidised medicines and check if a concession discount applies to your prescription.
Services Australia — Concession Cards
Access cheaper PBS medicines and other health cost reductions through a Centrelink concession card.
Dentist
#dentist
Services Australia — Child Dental Benefits Schedule
Up to $1,095 in dental services over two years for eligible children aged 0–17.
NSW Health — Community Oral Health Services
Free and low-cost dental care for eligible adults and children through NSW public dental services.
Optometrist / Glasses
#optometrist
Services Australia — Eye Tests and Medicare
What Medicare covers for eye examinations, including bulk billing options and how to find an optometrist.
HealthDirect — Find an Optometrist
Locate optometrists near you, including bulk billing services where available.
Hearing Aids
#hearing-aids
Australian Government Hearing Services Program
Free or subsidised hearing services and devices for eligible Australians, including pensioners and veterans.
Hearing Australia (Australian Hearing Services)
Australian Government statutory authority providing hearing care services for eligible adults and children.
NDIS — Hearing Supports
NDIS may fund hearing devices and related supports for eligible participants with permanent hearing loss.
Food & Personal
Food and Groceries
#food-groceries
Foodbank NSW & ACT
Emergency food relief for people experiencing food insecurity. Find food relief near you.
SecondBite
Distributes rescued food to community food programs across NSW. Find local services.
Salvation Army — Emergency Assistance
Emergency food hampers, vouchers and community meals available through local Salvos centres.
Ask Izzy — Find Food Near You
Free service finder for food banks, community meals and emergency food relief in your local area.
Lunches, Takeaway, Dining
#takeaway-dining
Moneysmart — Budget Planner
Review discretionary food spending and identify savings opportunities in your overall budget.
Clothing and Shoes
#clothing-shoes
Salvation Army — Emergency Relief
Emergency assistance for clothing needs, including vouchers and op-shop access.
Dress for Success NSW & ACT
Free interview clothing, styling and presentation skills for women entering or returning to the workforce. Clothing is yours to keep.
Ask Izzy — Everyday Things
Find local services providing clothing, household items and other essentials in your area.
Haircuts and Personal Care
#personal-care
Moneysmart — Budgeting
Tips and tools for managing discretionary personal care expenses within a household budget.
White Goods, Linen, Crockery
#white-goods
Good Shepherd — No Interest Loans Scheme (NILS)
Interest-free loans of up to $2,000 for essential household goods like fridges, washing machines and beds.
Ask Izzy — Household Items
Find local services providing furniture, white goods, linen and household essentials in your area.
Savings & Superannuation
Savings
#savings
Moneysmart — Saving
Practical tips and strategies for building a savings habit, including goal setting and high-interest accounts.
Moneysmart — Budget Planner
Build savings into your household budget using this free planning tool.
Superannuation — Voluntary Contributions
#superannuation-contributions
ATO — Superannuation
Information on voluntary contributions, salary sacrifice, contribution caps and tax implications.
Moneysmart — Superannuation
Plain English guide to how super works, including how to boost your balance and find lost super.
Lifestyle
Newspapers and Magazines
#newspapers-magazines
State Library of NSW — Free Services
Free wifi, computer access, study rooms and digital resources available at the State Library and through your local public library.
Online Subscriptions
#online-subscriptions
ACCC — Cancelling a Service
Your consumer rights when cancelling services, including refunds and contract cancellations.
Gym Membership
#gym-membership
Active and Healthy NSW
Free and low-cost physical activity programs for NSW residents, including community walking groups.
NSW Fair Trading — Fitness and Gyms
Consumer rights for gym memberships, including cooling-off periods, direct debit cancellation and fee disputes.
Sport / Hobbies
#sport-hobbies
Sport NSW
Information on community sport programs, grants and free activities available across NSW.
Service NSW — Active Kids
Vouchers for sport and active recreation costs for school-aged children.
Celebrations — Birthdays / Cultural / Christmas
#celebrations
Salvation Army — Christmas Assistance
Food hampers, toys, gifts and vouchers for families experiencing hardship at Christmas. Contact your local Salvos for support.
Moneysmart — Budgeting for Celebrations
Tips on planning and saving for seasonal and cultural celebrations without going into debt.
Gifts
#gifts
Moneysmart — Budgeting
Include gifts as a planned budget line to avoid unplanned spending throughout the year.
Donations
#donations
ATO — Gifts and Donations
Which donations are tax deductible and how to claim them. Check if a charity is a Deductible Gift Recipient (DGR).
ACNC — Charity Register
Check whether a charity is registered with the Australian Charities and Not-for-profits Commission.
Entertainment
#entertainment
NSW Government — Vouchers and Support
Government vouchers and rebates to help with cost of living, including Active and Creative Kids vouchers for eligible families.
Holidays
#holidays
Moneysmart — Savings Goals Calculator
Interactive calculator to work out how much to save each week or fortnight to reach your holiday savings goal.
Pet — Food, Accessories
#pets-food
RSPCA NSW
Information on rehoming and low-cost resources for pet owners experiencing financial difficulty.
Pet — Insurance, Vet and Medications
#pets-vet
RSPCA NSW — Veterinary Hospitals
Affordable veterinary services at RSPCA hospitals in Sydney, Hunter and Broken Hill. Discounts may be available for health care or pensioner card holders.
Moneysmart — Insurance Overview
General guidance on comparing and understanding pet insurance policies before committing.
Pet — Registrations
#pet-registration
NSW Pet Registry
Register and manage your pet's microchip and lifetime registration. Check concession rates.
Lotto, Pokies, Online, Gambling & Other
#gambling
Gambling Help Online
Free, confidential counselling and support for people affected by gambling. Available 24/7 online and by phone.
NSW Gambling Help
Free face-to-face counselling, financial counselling and support services across NSW.
Cigarettes, Tobacco, Vapes
#smoking
Quit.org.au
Free resources, guides and Quitline support to help people quit smoking and vaping.
NSW Quitline — 13 78 48
Free telephone counselling to help quit smoking and vaping. Call 13 78 48 or request a callback online.
Alcohol
#alcohol
Hello Sunday Morning (Daybreak)
Free app and online community for people wanting to change their relationship with alcohol. No sign-in required.
SMART Recovery Australia
Free community support groups using evidence-based tools to manage alcohol and substance issues.
NSW Health — Alcohol and Drug Information Service (ADIS)
Free 24/7 phone counselling on alcohol and drug concerns. Call 1800 250 015 or use web chat.
Assets
Motor Vehicle
#motor-vehicle
PPSR — Personal Property Securities Register
Check whether a vehicle has finance owing, been reported stolen or written off before purchase.
Service NSW — Check Vehicle Registration
Verify current registration status of any NSW registered vehicle.
Boat
#boat
NSW Government — Boat and Vessel Registration
Register, renew or transfer boat registration in NSW. Concession holders get 50% off fees.
Caravan
#caravan
Service NSW — Vehicle Registration
Renew, transfer or check registration status of a caravan in NSW.
PPSR — Personal Property Securities Register
Check whether a caravan has finance owing before purchase or sale.
Motorbike
#motorbike
Service NSW — Vehicle Registration
Registration renewal and status checks for motorcycles and motorbikes.
SIRA — Motorbike CTP Insurance
Compulsory Third Party insurance requirements and options for NSW motorbike owners.
Investments
#investments-asset
Moneysmart — Investing
Understanding different investment types, risks and how to find a licensed financial adviser.
ATO — Investments and Assets
Tax obligations when selling or receiving income from investments.
Savings (bank accounts)
#savings-asset
Moneysmart — Savings Accounts
Compare savings account types, interest rates and fees. Tips on choosing the best account.
AFCA — Banking Disputes
Free dispute resolution for problems with savings accounts, term deposits or banking fees.
Superannuation
#superannuation-asset
ATO — Keeping Track of Your Super
Find lost or unclaimed super and consolidate accounts using ATO online services or myGov.
Moneysmart — Superannuation
Understanding your super balance, investment options and accessing super in hardship.
AFCA — Super Disputes
Free dispute resolution for superannuation complaints including denied insurance claims within super.
Household Contents (sale value)
#household-contents
Moneysmart — Home and Contents Insurance
Guidance on estimating the replacement or sale value of household contents for insurance purposes.
AFCA — Insurance Disputes
Dispute resolution if an insurer's valuation of your contents is contested.
Tools of Trade
#tools-of-trade
ATO — Tools and Equipment
Tax deductions for work tools and equipment, including depreciation rules for higher-value items.
Fair Work — Tools and Equipment
Employer obligations around providing or reimbursing employees for tools required for work.
Valuables (Artwork, Jewellery etc.)
#valuables
Moneysmart — Contents Insurance for Valuables
How to ensure high-value items like jewellery and artwork are adequately covered under a contents policy.
AFCA — Insurance Disputes
Dispute resolution if a claim on artwork, jewellery or other valuables is denied or undervalued.
Creditors / Debts / Liabilities
Property Loans (Residential or Investment)
#property-loans
Moneysmart — Mortgage Stress
What to do if you are struggling to meet mortgage repayments, including how to approach your lender.
AFCA — Financial Difficulty Complaints
Free, independent dispute resolution if your lender has not responded fairly to a hardship request.
Australian Banking Association — Banking Code of Practice
The Code requires banks to consider hardship requests fairly. Understand your rights before contacting your lender.
Revenue NSW — First Home Buyer Assistance
Stamp duty concessions and grants that may be relevant when reviewing property loan obligations.
Loans Secured by Other Assets (Vehicles, Consumer Leases, Pawned Goods)
#secured-loans
Moneysmart — Car Loans
Understanding secured vehicle finance, including what happens if repayments are missed and repossession rights.
PPSR — Personal Property Securities Register
Check what security interests are registered against a vehicle or other personal property asset.
AFCA — Financial Difficulty Complaints
Dispute resolution if a lender has not responded appropriately to a hardship application on a secured loan.
NSW Fair Trading — Pawnbrokers
Your rights when dealing with pawnbrokers, including redemption periods and reclaiming pawned goods.
Unsecured Debts (Credit Cards, BNPL, SACC, Personal Loans, Pay Advance)
#unsecured-debts
Moneysmart — Managing Debt
Strategies for paying down credit cards and personal loans, including snowball and avalanche methods.
AFCA — Financial Difficulty
Free dispute resolution where a credit card provider or lender has not responded fairly to hardship requests.
ASIC — Credit and Loans
Regulator information on credit products, lender obligations under the National Consumer Credit Protection Act, and your rights.
Moneysmart — Buy Now Pay Later
How BNPL products work, the risks of using multiple services, and what to do if repayments fall behind.
Moneysmart — Small Amount Credit Contracts (SACC)
Understanding high-cost short-term loans (payday loans), your rights and alternatives including NILS.
Good Shepherd — No Interest Loans Scheme (NILS)
Interest-free loans as a safe alternative to payday lenders and pay advance products for eligible people.
Government Debts (Centrelink, Fines, Court, Tax, HELP, Child Support)
#government-debts
Services Australia — Repaying a Centrelink Debt
Options for repaying a Centrelink debt, including payment arrangements and special circumstances reviews.
ATO — If You Can't Pay On Time
ATO options for people who cannot pay a tax debt, including payment plans, interest-free periods and hardship provisions.
ATO — HELP Debt Repayment
How HELP (HECS) repayments work through the tax system and options if your income changes.
Revenue NSW — Fines and Financial Hardship
Payment plans, Work and Development Orders (WDO), and hardship options for NSW government fines and court fines.
Legal Aid NSW — Fines
Free legal advice on contesting fines, applying for time-to-pay and Work and Development Orders.
Services Australia — Child Support Debt
Options for managing unpaid child support, including payment plans and objections to assessments.
Arrears of Current Utilities (Electricity, Gas, Water, Telcos, Council Rates)
#utility-arrears
Energy & Water Ombudsman NSW — Can't Pay Your Bill
Rights and options when you have fallen behind on electricity, gas or water bills, including hardship programs and payment plans.
NSW Government — Energy Accounts Payment Assistance (EAPA)
Vouchers of up to $1,600 per year to help eligible households pay electricity and gas arrears through community organisations.
Telecommunications Industry Ombudsman — Can't Pay Your Bill
Options when behind on a telco bill, including hardship programs and payment arrangements telcos must offer.
Office of Local Government — Rates Hardship
Information on council rates hardship provisions. Contact your local council directly to discuss payment plans and hardship assistance.
Debt Collectors
#debt-collectors
ACCC — Debt Collection Guidelines
What debt collectors can and cannot do, including contact frequency limits, harassment rules and your right to dispute a debt.
NSW Fair Trading — Debt Collectors
NSW-specific rules for debt collector conduct and how to lodge a complaint about a debt collection agency.
AFCA — Debt Collection Complaints
If a debt collector is acting on behalf of a financial services firm, AFCA can investigate complaints about their conduct.
AFCA — Credit Reporting Complaints
Dispute incorrect credit file listings that may have been placed by a debt collector or creditor.
Office of the Australian Information Commissioner — Credit Reporting
Your rights around credit reporting, accessing your credit file and correcting errors.
Financial Rights Legal Centre — Dealing with Debt Collection
Practical guide to dealing with debt collectors, including what they can and cannot do, how to negotiate, sample letters and where to get help.
Formal Debt Options (Bankruptcy, Debt Agreements, Insolvency)
#formal-debt-options
Australian Financial Security Authority (AFSA)
Official government information on bankruptcy, debt agreements (Part IX) and personal insolvency agreements as formal debt resolution options.
Moneysmart — Bankruptcy
Plain English explanation of bankruptcy, what it means for your assets, income and credit file, and alternatives to consider first.