PAX Legal Clinic - Credit and Debt

CREDIT & DEBT

PAX Legal Clinic provides FREE legal assistance to individuals and families facing credit and debt issues. We help you understand your rights, respond to creditors, and manage financial hardship safely and lawfully.

Understanding Credit & Debt Issues

Credit and debt issues can arise in many everyday situations, for example, when a person enters into a credit contract such as a loan, credit card, or buy‑now‑pay‑later arrangement, then later falls behind on repayments or faces debt collection action. These problems may also occur when someone experiences coercive or unfair debt, or becomes involved in disputes with lenders, banks, or collectors.

Australian legislation provides strong consumer protections in these circumstances, including rules about responsible lending, fair debt collection conduct, hardship variations, and accessible dispute‑resolution pathways that help people manage financial stress safely and lawfully.

HOW WE CAN ASSIST

Financial Hardship and Repayment Support

We assist clients who are unable to meet their repayment obligations by explaining their rights, preparing hardship variation requests, negotiating payment plans with lenders, and guiding them in responding to default notices or financial pressure.

Unfair, Coercive, or Unauthorised Debt

We support people dealing with debts incurred through pressure, manipulation, coercion, or exploitation. This includes identity misuse, fraud‑related debts, and joint debts arising from bullying, harassment, family violence or other abusive circumstances.

Debt Collection and Enforcement

We advise on what debt collectors are legally permitted to do, how to respond to letters of demand, and how to stop harassment or unlawful contact. We also explain enforcement processes, limits on recovery action, and your options for managing collection pressure.

Credit Contracts and Dispute Resolution

We help clients understand credit card or personal loan terms and conditions, interest, fees and resolve disputes with banks, lenders, credit providers and pawnbrokers including buy‑now‑pay‑later. We also assist clients through internal dispute resolution and AFCA complaints.

Our Approach

We are committed to trauma‑informed, non‑judgmental support that prioritises clarity and compassion. Our team provides clear explanations of your rights and options, practical steps you can take immediately, and protection for vulnerable clients from coercion, exploitation, or harassment.

Reach Out

If you are experiencing credit or debt issues, contact us for free legal assistance. We will help you understand your rights, explore your options, and take the next steps with confidence.

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