Legal self-help

This factsheet looks at the law covering debt collection practices in New South Wales, Australia. There are limits on what debt collectors can do when they are pursuing you for a debt. In this factsheet we list some of the...

This Factsheet addresses consumer credit and responsible lending laws in NSW, Australia. What is responsible lending?Responsible lending means lenders must only give you a loan if it is suitable for you and you can afford to repay it.This requirement comes...

This factsheet looks at how to consolidate your superannuation from various super funds. Consolidating your super If you have worked in a number of jobs you may have a number of different superannuation funds. If this applies to you, then...

This Factsheet looks at consumer guarantees. The Australian Consumer Law provides a set of guarantees for consumers who acquire goods or services from Australian suppliers, manufacturers or importers. The guarantees cannot be excluded. The guarantees apply to goods and services...

This Factsheet discusses the SDRO Advocacy Hotline and the consequences of receiving an enforcement order and the likely enforcement action taken if a fine is not paid. What is an enforcement order? If you have an unpaid fine and...

This Factsheet discusses your rights and obligations when you have to pay a judgment debt. What is a judgment debt? If there is an order of a Court or Tribunal against you requiring you to pay money, it is called...

This Factsheet looks at Total Permanent Disability Insurance. In the event that you develop an injury or illness that prevents you from working, total permanent disability (TPD) cover or insurance may provide financial support for you and your family. What...

This Factsheet looks at the rights you have to enforce a judgment debt. What is a judgment debt? If you have an order of a Court or Tribunal against a judgment debtor requiring them to pay money, it is called...

This Factsheet looks at unsolicited consumer agreements. The Australian Consumer Law contains consumer protections relating to unsolicited sales practices, such as door-to-door sales and telemarketing. Salespersons who contact you uninvited to offer an “unsolicited consumer agreement” have obligations around how...

When you buy goods or services, you have the right to accurate and honest information. Businesses are not allowed to mislead you or give a false impression. A business engages in misleading or deceptive conduct if what they say or...