We all have electricity bills and we must pay them, but we usually just pay them without even thinking about it, don’t we? Do you understand your bill? A recent survey of more than 1,000 people, carried out in April in Sydney and Melbourne, found that a lack of trust in electricity companies and energy… Read more
The lending base rate is not moving – so why are Aussies still struggling?
With winter well and truly here, the weather has certainly changed. Lending base rates on the other hand, continue to remain the same. Last month, the Reserve Bank of Australia (RBA) announced that the base interest rates will not change, with the historic low of 1.5 per cent remaining unchanged for the 22nd consecutive… Read more
Do you know what financial help is available?
At Life After Debt ®, we believe in the importance of people knowing what help is available. If you don’t know what help is available, then how will you know who to ask or where to look? Being in debt or having any financial difficulty is stressful enough as it is, without having to worry about… Read more
Tax Time is looming… Read this before claiming any ‘dodgy deductions’
Tax time is looming and this is the time when many of us start thinking about our deductions – What we can claim, and what we can’t. Well, the Australian Taxation Office (ATO) has started thinking about it too! And this year, they look to be casting a wide net when it comes to tax… Read more
What is a ‘Means Inquiry’?
Drowning in debt is a scary place to be. Sometimes you may simply feel as if there is no hope; you don’t know what to do, or where to turn. The many rules and regulations, legal terms, debt collection agencies and everything else in between, can often contribute towards the feeling of hopelessness. At Life… Read more
What legal action can my creditors take against me?
Recently, we talked about dealing with debt collectors and provided you with some useful information on your rights and responsibilities. But what about if your dealings with debt collectors were to go that one step further? What about legal action? Today, we explain what legal action your creditors can take against you and what you… Read more
The dangers of ‘credit repair’ companies
You got yourself into some debt and have now discovered that your credit score isn’t great. Naturally, you want to repair it, but you don’t know how to do it or where to start. In our latest blog, we warn you about the dangers of ‘credit repair’ companies and paying to try to fix your… Read more
Hardship Variation: What is it and how do you apply?
Drowning in debt? Finding it hard to meet your loan repayments? Feeling stressed and not sure how you are ever going to get out of the debt-trap? We hear you, you’re not alone and there is something you can do about it. In our latest blog, we explain what a hardship variation is and how… Read more
Dealing with Debt Collectors: Your rights and responsibilities
You’ve got yourself into some debt and now find yourself having to deal with debt collectors. Don’t worry, you’re not alone and we understand how intimidating it can be. That’s why we are here to share some tips with you, to help you feel a little more confident when dealing with debt collectors. So, what… Read more
Beware of Payday Loans
In the US, there are more payday loan lenders than there are McDonald’s stores (crazy right?!). In the UK, the industry is worth more than $3.6 billion. In Australia, annual turnover of the payday loan industry is just over $1 billion. The lifeblood of this industry is hardship and financial stress and unfortunately, recent times have… Read more
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