Dealing with debt

Book cover showing bills, a calculator and a magnifying glass

Debt problems can arise with unexpected bills or expenses, like a high phone bill or a claim for damages after a car accident. Unmanageable debt can lead to significant problems.

If you’re unable to pay your debts as they fall due, a creditor may choose to take you to court. Depending on the type of debt, different rules apply regarding recovery and enforcement processes. In NSW, most formal debt recovery action against the average debtor takes place in the Local Court. 

Most debtors would like legal representation when a creditor takes legal action against them. In reality, however, the average debtor has to self-represent, because they cannot afford legal representation and are ineligible for free assistance.

The new book Dealing with debt: a legal guide to personal debt in NSW helps debtors in NSW to resolve their debt problems. It helps debtors to:

  • understand common types of debt and debt recovery processes 
  • consider alternatives for managing debt issues, and 
  • respond to debt recovery action in the Local Court of NSW. 

There are 16 main chapters, followed by sample letters, templates, forms, a glossary of legal terms and a list of contacts for organisations that provide assistance. 

If your debts are piling up, you are being hounded about repayments, or court action is being taken against you ... this clear, easy-to-read guide is essential reading.

Dealing with debt was written by Christina Pirina and the Macarthur Legal Centre and published by the State Library of NSW, with the assistance of a grant from the Law and Justice Foundation of NSW. 

Read it online or find it at your local public library.