Sometimes it can be hard to know if the debt is yours or if it is the correct amount. It can get even more difficult if your debt was sold to a debt collector.

If you don’t think you owe the debt or it is incorrect you have the right to dispute the debt, contact VALS.

Learn more here.

It is illegal for salesperson to put pressure on you or bully you into buying something. If you don’t want it don’t buy it. But I can be hard to say no sometimes. 

Try these tips:

  • Take time to think it over;
  • Keep the documents they give you as well as the receipt;
  • Contact VALS if you feel you’ve been taken advantage of.

Learn more here.

This is a challenging situation, and there have been a lot of changes to tenancy law since 29 March 2021.   

To learn about them. Read about these changes here: 

The VALS Civil and Human Rights practice acts for tenants facing eviction and those with problems around the condition of their property. If you need advice, help or representation, call us on 9418 5900.

The law says that it is wrong for an insurance company to discriminate against you on the basis of your mental illness, unless certain conditions apply. 

Learn more here.

If you owe money it is better that you take some action before legal action is taken against you. You might be eligible for hardship, government grants like the Utility Relief Grant, change the contract, negotiate a payment plan and return the goods (such as a car). If you receive a demand letter don’t sit on it, do something.

Learn more here.

If you have debts the law protects you from illegal behaviour from your creditors and debt collectors.

You have the right top:

  • Not to be discriminated against;
  • Have your privacy protected;
  • Get help from VALS or a Financial Counsellor;
  • Question the debt.
Learn more here.

If you have debts the law protects you from illegal behaviour from your creditors and debt collectors.

You have the right top:

  • Not to be discriminated against;
  • Have your privacy protected;
  • Get help from VALS or a Financial Counsellor;
  • Question the debt.
Learn more here.

Being sued is when a creditor takes you to court. You will be served with court documents. It is important that you do not ignore the documents. Being sued can end up costing much more than the original debt. If you do nothing the court will likely make an order against you, which is called a default judgment. Get legal advice from VALS. 

Find out more here.

 

If you can’t pay a bill, call your electricity, gas or water company. Explain the situation and ask how it can help.

Your company must help you. Your company should begin by giving you an extension or a payment plan to pay in installment amounts you can afford.

Learn more here.