Financial Rights Legal Centre
Call the National Debt Helpline
on 1800 007 007.
Fact sheets

Financial Hardship

Getting a loan

Taking out a loan for a property, car or other property is a big decision.

Be sure it’s the right one.

You can use these checklists to make sure you are taking the right steps:

Thinking of using a Finance/Mortgage Broker?

Using a Broker to obtain finance or get a mortgage could end up costing you more than if you had obtained finance yourself!

Before you do anything seek free, independent advice and check out our Checklist: Using a finance/mortgage broker

Problems with your loan

Financial Counselling


Debt collection

What is a debt agreement?

At some point, someone might propose that you enter a debt agreement. Debt agreements have serious consequences that you may not be aware of.

Before you take this step, it’s essential to get advice from a free, independent counsellor, contact: 1800 007 007.

You can learn more about debt agreements by checking out our Checklist: Debt agreements.

The NSW Local Court

What if I receive a Statement of Claim?

A Statement of Claim is an official court document completed by someone who thinks you owe them money. If you receive a Statement of Claim, you need to act quickly! 

Check out our Checklist: Statement of claim.



If you need advice about an insurance claim or issue check our Insurance Law Service.

If you need advice about a car insurance claim or issue head to Motor Vehicle Accidents.

Car Insurance

Why do I have to pay my excess?

Why do I have to pay my excess? Why do I have multiple excesses? Check out our fact sheet to understand more about what “excess” is and what you need to do.

Each insurer is different. Some insurers require you to pay an excess no matter who is at fault, others require you to provide specific details and convince the insurer you are not at fault. Find out more details about paying your excess by checking out our Checklist: Paying your excess.

Home and Contents Insurance

Natural Disasters

Other Types of Insurance

Problems with Your Insurance

What can I do if I am being investigated by an insurer?

Check out our fact sheet to find out what you should do if you are being investigated on a general insurance claim.

Insurers are always on the lookout for fraud. If you have to participate in an insurance interview you have a duty to reasonably cooperate.

Make sure you know your rights and responsibilities when you are being investigated by checking out our Checklist: Insurance Interviews.

Mob Strong Factsheets

Mob Strong Debt Help

Funeral insurance

Aboriginal Community Benefit Fund (Youpla)

Aboriginal Community Benefit Fund has gone into liquidation. Read this factsheet to get up to date information on what this might mean for you.

Mob Strong is experiencing a very high volume of calls about ACBF. We’re sorry we haven’t been able to talk to you in detail.

We’re providing constant updates about what is happening with ACBF on Facebook. Please follow us. We will also keep updating information on this page, so please keep coming back for updates.

Aboriginal and Torres Strait Islander people who have policies with ACBF should seek urgent legal advice.

Buy now, pay later

Think before you click! Understand the risks of using buy now, pay later services.

Wage Advance

Wage Advance services take the joy out of your payday! There are better alternatives out there if you need cash before payday.