Warning: These fact sheets are information only and should not be relied upon as legal advice. This information only applies to NSW.

These resources have been produced with funding from NSW Office of Fair Trading.

Fact Sheets, Guides and Sample Letters are available in relation to the following topics:

Getting a loan

Problems with your loan

Banking

Debt collection

The Local Court

Bankruptcy

Insurance

Getting a loan

Shopping for credit, getting a loan with someone else, going guarantor, using finance and mortgage brokers, your credit report, line of credit loans and home loans with redraw.

• Need a Loan? (Very general information - also available in Arabic, Chinese, Spanish and Samoan: see Multilingual Information)
• Before you borrow money
• Getting a loan with someone else
• Going Guarantor
• Your credit report
• Finance / Mortgage Brokers
• Line of credit loans and home loans with redraw

Problems with your loan

Your rights and options in relation to existing loans.

• How do I get copies of my loan documents? 
• Does The Consumer Credit Code apply? 
• Can't pay your loan? 
• Hardship variations on consumer loans 
• Guide: How to Apply for a Hardship Variation in the Consumer, Trader and Tenancy Tribunal 
• Repossession — car and other goods 
• Legal Action to Take Your Mortgaged Home 
• Making a consumer credit insurance claim 
• Have a dispute you can't resolve with your credit provider? -- External Dispute Resolution
• Refinancing 
• Family Breakdown and Debt (Very general information - also available in Arabic, Chinese, Spanish and Samoan : see Multilingual Information)
  

Banking

Find out about common banking problems and how to get your dispute resolved.

• Unauthorised Transactions
• Pitfalls with Direct Debits from Cheque/Savings Accounts
• Pitfalls with Direct Debits from Credit Cards
• Chargebacks

 
Debt collection

Find out about Debt Collectors - what they can and can't do.

• Dealing with Debt Collection
• Debtor Harassment

 
The Local Court

What to do if you are being or have been sued in the Local Court for a debt.

• Struggling with a Debt (Very general information - also available in Arabic, Chinese, Spanish and Samoan : see Multilingual Information)
• Debt Recovery in the Local Court
• Enforcement of Debts in the Local Court
• Recovery of Old Debts
• The Sheriff and seizure of goods
• Making an application to pay by instalments
• Making an application to set aside judgment
• Filing a Defence
• Guide: Transferring to a Local Court Closer to You
• Guide : Filing a defence under the Limitation Act (NSW)
  

 
Bankruptcy

If you can't pay your debts and you are considering bankruptcy, find out more about your options.

• Bankruptcy 
• Debt Agreements

 
Insurance

If you are having problems with insurance find out more about your options.

• Making a claim on car insurance
• What can I do if my car insurance claim is refused?
• I’ve had a car accident and I’m uninsured!
• Making a claim on home and contents insurance
• What can I do if my home and/or contents insurance claim is refused?
• Your Insurance Report