Site map
Debt Options, Thresholds and 2026 Rules
- How bankruptcy works in Australia: 3 years and 1 day, trustees, travel and what it affects
- Bankruptcy income contributions 2026: thresholds from 20 September and how they are assessed
- One-year bankruptcy and other reform proposals: what is law in Australia in 2026
- Debt agreement eligibility 2026: Part IX income, debt and asset limits and the 3-year rule
- Debt help options in Australia: from hardship requests to debt agreements and bankruptcy
- Personal insolvency agreements (Part X): how they work, costs and who they suit
- What you can keep in bankruptcy: home, car, super, tools of trade and household items
Worked Examples and Checklists
- How long a debt agreement or bankruptcy stays on your credit report: timelines worked out
- How much does a debt agreement cost? A worked example against repaying in full
- Debt agreement or bankruptcy? A decision checklist with three worked households
- Financial hardship requests across all your debts: home loan, car loan, cards, energy and tax
- Bankruptcy income contribution examples: five households worked through for 2026
- Joint debts, guarantors and partners: who still owes what after a debt agreement or bankruptcy
- Negotiating a payment plan or lump-sum settlement yourself: worked offers and wording
- Statute-barred debts in Australia: limitation periods by state and how to check an old debt
Mistakes, Failure Cases and Official Sources
- Complaining about hardship, defaults and debt collection: internal disputes and AFCA
- Received a bankruptcy notice? The 21-day deadline, your options and the creditor's petition
- Debt collectors in Australia: your rights under the ACCC and ASIC Debt collection guideline
- Debt help mistakes to avoid in Australia: 12 failure cases and what to do instead
- Dodgy debt management firms: licensing rules and 10 warning signs before you pay
- Free debt help in Australia: National Debt Helpline, legal help and official sources