September 5th, 2019

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Bankruptcy Experts Canberra

Bankruptcy and Centrelink Debts

What happens to my Centrelink debts if I go bankrupt? As a general rule we have always told our potential clients not to count on having your Centrelink debt written off when you declare bankruptcy, however it seems more and more this is not the case. In most cases it has been our experience that Centrelink will not pursue you for your Centrelink debts*(which is also outlined on the Centrelink website – see link below) for the three years you are bankrupt which is good news for those...
Financial Problems

What You Should Know About Debt Agreements

Many Australians suffer through financial issues during their lifetime, and this is mainly considered a typical fluctuation in our finances. But what if you're unable to work out these difficulties yourself, but at the same time, you don't want to file for bankruptcy?   Debt consolidation loans are a customary solution that relieves folks of financial anxiety by consolidating all their current debts into one easy to manage loan that's payable monthly. On the other hand, debt...
Debt Agreements

Tips on How to Resolve Your Financial Issues

There's no doubt that financial difficulties can lead to a lot of stress and anxiety in our lives. Repeatedly thinking about how you're going to pay your bills not only makes you distressed, but also puts stress on your relationships, your family, and your well-being. The fact is, stressing over money isn't going to fix your financial complications. If you've found yourself in a position where you're battling to make ends meet, here are the best ways to deal with your financial problems so you...
Saving Electricity

How to Save Money on Your Electricity Bill this Winter

Personally, I find there's nothing worse than being cold. Coming from Queensland, I'm used to the heat and it doesn't trouble me much, but the cold hits me like a tonne of bricks! Like many of you, my electricity bill skyrockets through the cold weather and there's a number of reasons why. Not only are we using heating appliances to keep us warm and cozy, but the nights are longer so naturally we use more lighting during winter.   With the cost of electricity currently soaring in...
Child Support 2 At End Of Article

Bankruptcy and Child Support – Everything You Have to Know

Declaring bankruptcy really isn't the end of the world, but it does have significant consequences that will impact your finances in the future. I've found that most of the time, focusing efforts on building a bright future is the best way for folks to manage their bankruptcy and succeeding recovery. To do this, however, individuals need to comprehend precisely what bankruptcy entails so they can successfully budget, plan, and rebuild their wealth in the most productive way...
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Top 5 Tips on How to File For Bankruptcy in Australia

Most Australian's have only really contemplated bankruptcy when playing a game of Monopoly with their buddies! Despite this, there are approximately 13,000 individuals that declare bankruptcy yearly in Australia. It's astounding how rapidly people can go from enjoying a healthy financial position to facing a mountain of debt. In many cases, unfortunate events like loss of income, divorce, or unexpected medical expenditures will result in serious financial complications within just a couple of...
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Top 3 Reasons For Personal Bankruptcy in Australia

Nobody wants to look into bankruptcy, which is easy to understand given that bankruptcy will influence your financial circumstance for several years to follow. This may be one of the reasons why lots of people don't seek financial guidance in times of need, because they are under the common misunderstanding that bankruptcy is the only way to manage their financial problems. Unfortunately, this isn't the case as there are many choices available to those coping with financial difficulties. What...
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The Difference Between Good Debt and Bad Debt – What You Need To Understand

For the majority of Australian adults, debt is a part of our daily lives. Whether or not you wish to advance your skills by earning a degree, purchase a house for your family, or buy a car so your family has transport, securing a loan is very common simply because we don't have enough money to pay for these expenses upfront. It appears that everyone gets a loan at one point or another, so what's the issue? The problem is that lots of individuals don't understand the difference between good...
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Best Ways to Improve a Bad Credit Report

Whether we acknowledge it or not, our credit report has a serious effect on our lives. It's sort of like our health; we don't appreciate good health until we lose it. Many individuals don't even know they have a bad credit report until they make an application for a personal line of credit and it's disapproved. It can come as quite a surprise to some, simply because even one overlooked payment that is disclosed by your lender can remain on your credit report for a maximum of seven years. So,...

Weddings On A Budget – The Best Ways To Save Money When Getting Hitched

We all have a fair understanding that weddings can be an expensive pursuit, but do you really understand how much the average wedding costs in Australia? A little over $36,000, based on Australia's Money Smart website. And that was in 2012! These days, it's most probably somewhere around the $50,000 mark. I suppose if you have rich parents it wouldn't be a problem, but unfortunately the majority of us don't. Let's admit it, $50,000 is a bunch of money! You could buy a franchise, place a down...
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