This brochure explains some of the legal steps to take if you are in dispute about amounts under $100,000 in the Local Court including external dispute resolution schemes, what to do if you receive a letter of demand and the court process.

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This brochure explains the options for people with court fines and fine notices to stop enforcement action and get back on track.

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Read this factsheet to find out what you can do if you are behind on your home mortgage repayments or have received a default notice from your lender.

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If you co-own your house with your partner or are joint borrowers on a mortgage and you break up, there are some things to consider. This factsheet answers some common questions.

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Read this brochure for what to do if you are having problems with your home mortgage.

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The Credit Law Toolkit is for financial counsellors and lawyers, particularly those lawyers in legal aid offices and generalist community legal centres who do a range of civil law work, but do not necessarily specialise in credit law. If you are a financial counsellor or a lawyer and you would like a hard copy please email publications@legalaid.nsw.gov.au. If you are a financial counselling student please access the toolkit online.

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FINED OUT is an online practical guide to the NSW fines system. It provides information about how to deal with fines, with contact information, including links, for services that can help people with their fines. 6th edition, updated April 2024.

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This brochure for Aboriginal and Torres Strait Islander people lists your options when you have a fine and how to get a Work and Development Order.

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This brochure explains what to do when you are representing yourself and pleading guilty to charges of driving while unlicensed, suspended, cancelled or disqualified.

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The mortgage stress handbook has information about what to do if you are having difficulty paying your mortgage. It covers: ● how to negotiate a repayment arrangement with your lender, ● what to do if the lender won’t agree to a repayment arrangement, ● what you can do to stop the lender taking possession of your home, and more.

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Some private training colleges have behaved in an unfair and misleading way to get students to enrol in their courses. You may be able to do something about your VET FEE-HELP debt if the private college has acted unfairly.

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Do you have an expensive, short term loan that is hard to repay? You can do something about it. (2 page flyer)

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This brochure looks at the legal issues around a ‘rent to buy’ home loan purchase, including the hidden fees and charges, who legally owns the property and the high weekly repayments involved.

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This A3 poster promotes how to get a Work and Development Order to clear your fines debt.

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This postcard outlines eligibility requirements to get a Work and Development Order to clear fines debt.

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This wallet card outlines eligibility requirements and how to apply for a Work and Development Order to clear your fines debt.

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With a WDO, you can clear your fines with activities instead of money. You can do unpaid work, counselling, courses, treatment programs and more. This brochure has information about how to get a WDO including eligibility.

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