Steps to take if you’re struggling to pay your fines
Find out what your repayment options are
Dealing with fines is different in each state and territory, so contact your local enforcement agency to find out what repayment options are available for you:
Google “fines + [your state]”, for example “fines NSW”.
- You’ll get at least 28 days to pay or dispute that you owe the fine
- If you don’t do anything by the due date, you run the risk of being issued with a penalty reminder notice and having to pay additional costs
- If you continue to do nothing, further action can be taken including, for example, the loss of your driver’s licence and/or money deducted from your wages
If you know you’re not going to be able to pay the fine in full by the due date, continue to the next step.
TYPES OF FINES
Fines fall into two general categories:
- Infringement notices or on-the-spot fines issued by a police officer, transit officer, parking inspector or council ranger. These only end up in court if they are unpaid or challenged
- Fines that the court orders you to pay
Work out what you can afford to pay
If you’re struggling to pay back money you owe, the first thing to do is to work out what you can actually afford to pay by doing a simple budget. How to work out what you can afford to pay.
If you can afford to pay something
Start paying the amount you can afford and get in touch with your creditor straight away to put a repayment agreement in place.
If you can’t afford to pay anything
Call us on 1800 007 007 straight away for advice.
Contact the issuing enforcement agency
Call the issuing agency as soon as possible and ask for a payment plan based on what you can afford to pay (from Step 2).
The agency can’t refuse to offer you a payment plan if you hold:
- a pensioner concession
- a healthcare card
- a Veterans’ Affairs Concession Card
If you don’t hold one of these concession cards, you may still apply on the basis of financial hardship. When talking to the agency, it’s important you have evidence that demonstrates why you’re in financial hardship and what you can afford to pay (see Step 2).
Sometimes you can reduce fines by completing community service or certain courses. Ask if this option is available.
If the agency agrees to a payment plan:
- Start making the repayments as soon as possible (and definitely by the date you agreed)
- Stick to the arrangement
- If you know you might miss a payment, call as soon as possible to explain why. Failure to stick to the plan may mean extra penalties
Speak to one of our financial counsellors
If your problem still hasn’t been solved, or you’re feeling overwhelmed, call us on 1800 007 007 to speak with one of our financial counsellors.
What happens if…
Further information on fines by state/territory
The links below provide information about fines and your options for repaying a fine.
I don't pay
Once you’ve received a reminder notice that the fine hasn’t been paid by the due date – and you’ve taken no other action, such as asking for a payment plan – then further enforcement action may occur.
Unpaid fines may lead to:
- An enforcement order being made against you, meaning extra costs
- Your driver’s licence or car registration being suspended
- Deductions being made from your wages
- Your property being seized and sold
- A requirement that you undertake community work
- You being sent to prison.
I go bankrupt. Are my fines wiped out?
It varies and depends on the nature of the fine. If you’re considering bankruptcy, call us and speak to one of our financial counsellors.