Financial Rights Legal Centre
Hotline
Call our National Debt Helpline
on 1800 007 007.
Multilingual Fact Sheets

Financial Rights Legal Centre has updated its series of fact sheets produced for culturally and linguistically diverse communities. The fact sheets are now available in Arabic, Chinese, Spanish, Samoan, Vietnamese and Bahasa Indonesia.

Please note that these fact sheets were created for use by NSW residents. The referral information is specific to NSW. The court process varies in other States and Territories of Australia. Debtors should get legal advice from a service in their state or territory.

Community workers please click here for more information about distribution.

FACT SHEET 1: Need a loan?

Borrowing money always costs you money. Read about the different types of loans and interest rates, what interest rates usually apply for particular types of loans, what the responsibilities of joint borrowers and guarantors are, and what you should look out for in loan contracts.

To download this Fact Sheet, please choose your language from the list below:

FACT SHEET 2: Easy money or debt trap?

Borrowing money always costs you money. Read about the different types of loans and interest rates, what interest rates usually apply for particular types of loans, what the responsibilities of joint borrowers and guarantors are, and what you should look out for in loan contracts.

To download this Fact Sheet, please choose your language from the list below:

FACT SHEET 3: Family breakdown and debt

Discover what could happen to your assets and liabilities when you separate. Find out how you can protect your financial position, which of your ex-partner’s debt you may be liable for, and the effect of property settlements.

To download this Fact Sheet, please choose your language from the list below:

FACT SHEET 4: Struggling with a debt?

Find out what your options are, what debt collectors can or can’t do, what the court process is, and what the court judgement might be.

To download this Fact Sheet, please choose your language from the list below:

FACT SHEET 5: Dealing with debt collectors

What are your rights when you are contacted by debt collectors? Find out what your options are, and what debt collectors can and can’t do to you.

To download this Fact Sheet, please choose your language from the list below:

FACT SHEET 6: Refinancing

Find out how effective refinancing really is, what you should think about when considering refinancing, the fees and charges you should look out for, and what debt agreements and predatory lending practices are.

To download this Fact Sheet, please choose your language from the list below:

To find out more about the legal advice or financial counselling services we offer, click here.

If you need an interpreter, you can contact us through the Translating and Interpreting Service on 131 450.

The information supplied applies to people who live in, or are affected by, the law as it applies in NSW, Australia.

These resources were produced in partnership with Macarthur Legal Centre in 2002. Updating of these fact sheets and production of fact sheets 5 and 6 were completed with funding assistance from the Law and Justice Foundation of NSW.

This publication has been produced with the financial assistance of the Law and Justice Foundation of NSW. The Foundation seeks to advance the fairness and equity of the justice system and to improve access to justice, especially for socially and economically disadvantaged people.

Disclaimer: any opinions expressed in this publication are those of the authors and do not necessarily reflect the views of the Law and Justice Foundation’s Board of Governors.