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Other support for debt and bankruptcy

Other organisations that can help Consumer Action Law Centre Consumer Action Law Centre gives free legal advice and representation to vulnerable and disadvantaged consumers across Victoria. You can ask a legal expert for advice about whether you have grounds to dispute a debt or read their self-help kits and fact sheets about dealing with debt…

Court orders and judgment | Victoria Legal Aid

The total amount that the court orders you to pay, including your original debt plus costs and interest, is known as a ‘judgment debt’. A creditor generally has 15 years to take action to enforce a judgment debt. A judgment debt gives the creditor the right to apply to the court for the following orders,…

Warrants to seize and sell property

Warrant to take items you own A warrant to seize property allows the sheriff to go to your home or business (if you own the business) and take non-secured items to sell. A warrant to seize property is valid for one year. Non-secured items are valuable things that you own outright, for example, your car.…

Creditor notices and letters of demand

Statutory notices Some legislation, such as the National Credit Code, requires creditors to send you specific notices before they can take further action to force you to pay the debt. These notices say how long you have to bring your repayments up to date before further action will be taken. For example, notices about loan…