Being unable to manage your debts can be caused by various reasons, some of which may be beyond your control.EG> sudden unemployment, illness, family breakups or divorce can trigger financial hardship.
It is important to recognise financial difficulty early so that you can address the situation before it becomes unmanageable and you have to resort to options that you would otherwise prefer to avoid.
Dealing with debt: Your Rights and Responsibilities- is a government publication which gives you information on dealing with debts, debt collectors and disputes.
The booklet is available through the Australian Securities and Investments Commission ( www.asic.gov.au) or the Australian competition and Consumer Commission (www.accc.gov.au).
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