As a community legal centre, we give priority to people who are:
- living in financial distress, including people on Centrelink or low income,
- experiencing or at risk of family violence and/or homelessness,
- living or caring for someone with significant health problems,
- facing challenges due to age, gender, sexuality, literacy, language, race or cultural background, or
- facing the aftermath of large-scale natural disasters such as cyclones, bushfires, flood.
Credit & Debt Legal Advice line: 1800 844 949 (NSW)
This is a NSW only service – so you must be a resident in NSW, or need advice about a debt that arose in NSW or court proceedings happening in NSW.
Legal issues we can advise on
- Consumer loans – mortgages, credit cards, personal loans, easy cash loans, payday loans
- Consumer leases
- Pawnbroking
- Buy now Pay later
- Wage advances
- Car/home repossessions
- NSW Court recovery and enforcement processes arising out of consumer debts, consumer lending or strata hardship
- Bankruptcy notices and creditors petitions
- Credit reporting
- Mistaken payments / e-payments code complaints (disputes against financial services companies)
- Unaffordable consumer loans
- Unfair guarantees
- Financial abuse conducted through the use of banking or debt products
- Scams conducted through the use of consumer banking or debt products by an Australian financial services company (where there’s a potential dispute against that company)
- Excessive or unfair bank/loan fees
- Part 9 debt agreements
- Credit management firms
- Personal budgeting services
- Unpaid strata levy hardship (not other strata disputes like repairs)
Legal issues we don’t advise on
- Consumer law where there is no linked credit (for example, gym membership, doctors bills)
- Private sales (Facebook/Gumtree/Ebay purchases)
- Loans to or from individuals/family/friends
- Investment advice or products such as shares, cryptocurrency, trading accounts
- Legal costs
- Family law
- Neighbour disputes
- Property law
- Wills and estates
- Powers of attorney/guardianship
- Payment service disputes (for example, Paypal)
- Part 10 debt agreements
- Commercial or business loans and leases
Insurance Law Service: 1300 663 464 (national)
Legal issues we can advise on
- Motor Vehicle Insurance
- Where you are insured under a comprehensive or third party property policy, but we cannot advise on issues about fault. Before calling please use our motor accident problem solver and see our factsheets as they may have the information you are looking for.
- If you are uninsured, please do not call or email us as we cannot give you advice but we do have general information for you here: motor accident problem solver and see our factsheets.
- Consumer Credit Insurance
- Funeral Insurance
- Home and Contents Insurance (including Floods and Bushfires)
- Income Protection
- Life Insurance
- Pet Insurance
- Superannuation related Insurance
- Travel Insurance
Legal issues we don’t advise on
- Motor Vehicle Accidents – where no one is insured
- We cannot provide phone advice but see the information in our Car Accident when Uninsured factsheet and our motor vehicle accident problem solver.
- Fault in motor vehicle accidents
- Taxi or Rideshare insurance/products
- Going to court in motor vehicle accident matters
- Landlord insurance
- Compulsory Third Party Insurance
- Health Insurance
- Home Warranty Insurance
- Consumer Warranties
- Personal Injury
- Pleasure Craft
- Professional Indemnity Insurance
- Public and Product Liability
- Workers Compensation
- Claims for negligence against 3rd parties
Last updated: May 2026
