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  • Your Rights
  • Debt Problems
    • Living Expenses
      • Electricity Gas & Water Bills
      • Phone and Internet Bills
      • Home Loans
      • Council Rates
      • Rent
      • Strata Levies
      • Car Loans
      • School Expenses
      • Child Support
    • Credit and Other Debts
      • Bad Credit Rating
        • Get your credit report
        • Fix your credit report
      • Buy Now Pay Later
        • Risks of using Buy Now Pay Later
        • Difficulty repaying Buy Now Pay Later debts
      • Car Accident Debt
      • Centrelink Debts
      • Credit Cards
      • Fines
      • Interest Free Credit Cards
      • Pay Day Loans
        • Difficulty repaying payday loans
        • Risks of payday loans
      • Personal Loans
      • Product Rentals
        • Difficulty repaying a product rental (consumer lease)
        • Before signing up to a product rental (consumer lease)
      • Small Business Debt
      • Student Loans
      • Tax Debts
    • Debt Collection
      • Debt Collection
      • Debt collection – Old Debts
      • Being Sued
      • Court judgments
  • Debt Solutions
    • Manage your debt
      • What is financial hardship and what are your rights?
      • Work out what you can afford
      • Negotiate payment terms
      • Prioritise your debts
      • Consolidate your loans
      • Know your rights
      • Consumer credit insurance
      • Cancel a direct debit
      • Complaints & disputes
    • Seek extra funds
      • Increase your income
      • Build a savings buffer
      • No Interest Loans
      • Concessions and grants
      • Apply for government benefits
      • Access superannuation
        • Early release of superannuation due to severe financial hardship
        • Early release of superannuation to prevent foreclosure
        • Apply for early release on compassionate grounds
      • Access Child Support
      • Sell assets
      • Borrow from friends and family
    • Extreme financial difficulty
      • Emergency assistance
      • Legal advice
      • Bankruptcy and other formal insolvency options
        • Bankruptcy
        • Temporary debt protection
        • Debt Agreement (Part IX)
  • Complex Situations
    • Financial abuse
    • Domestic and family violence and financial hardship
    • Disasters – financial difficulty
      • Disaster insurance claims
    • Mental health and financial hardship
    • Prison
    • Scams and data breaches
  • Media
    • NDH Media Info
    • Press Releases
    • Videos
  • Financial Counselling
    • What is financial counselling?
    • Find a Financial Counsellor
    • Diversity and Inclusion
    • What people say

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