Your Credit File Is Killing Your Rental Application
Real estate agents are checking credit files as part of rental applications. A default from years ago could cost you housing in today's brutal rental market.
The $555,000 Fine That Changed Debt Collection
Excite Mobile created fake agencies, threatened to seize children's toys, and targeted vulnerable communities. The Federal Court fined them $555,000. Here's what happened.
Debt Collectors Can’t Threaten Your Job or Passport
Debt collectors who threaten your employment, licence, or passport are lying. The Federal Court has ruled these threats are unlawful intimidation. Know your rights.
Stop Googling “How to Fix My Credit Score”
Most credit repair advice online is dangerously wrong. Paying the debt won't remove the default. DIY letters rarely work. Here's what actually fixes your credit.
Debt Collectors Contacted Your Child? That’s Illegal
ACCC/ASIC guidelines strictly prohibit debt collectors from communicating with your children about a debt. Learn your rights and what to do if collectors cross the line.
“We’ll Sell Your Home” — The Debt Collector Lie Australians Must Know
A debt collector threatened to sell your home over a phone bill? Under Australian law, that's misleading and deceptive conduct. Learn what collectors can and can't do.
Someone Else’s Default on Your Credit Report? Here’s What to Do
Credit bureau mixed file errors put someone else's default on your credit report. Learn how these mistakes happen and how Australian credit repair lawyers can remove them.
15 Missed Calls in One Afternoon: That’s Debt Collector Harassment
15 missed calls from the same number in one afternoon? Under ACCC/ASIC guidelines, excessive debt collector calls are harassment. Here's what Australian law says and how to fight back.
The 3-Word Phrase That Stops Debt Collectors Cold
One simple phrase legally forces debt collectors to stop calling you in Australia. Learn the ACCC/ASIC guideline that puts you back in control.
How a $40 Parking Fine Can Block Your Home Loan
A forgotten $40 parking fine can end up as a credit default blocking your home loan. Learn how small debts spiral into big problems and what Australian law says about removing them.
Loan Denied? The Default on Your File Might Be Illegal
Got denied a home loan because of a default? If the creditor broke the rules listing it, the default is invalid and can be removed. 91.6% success rate.
Debt Collectors Can’t Arrest You (And 3 Other Lies They Tell)
A debt collector threatened you with arrest? That's illegal. Not paying a debt is NOT a crime in Australia. Learn the lies collectors tell and your rights.
Telstra Defaulted You Over $200? Here’s How to Fight It
A Telstra default over $200 can block your home loan for 5 years. Telcos often cut corners on notice requirements — here's how to get it removed.
Debt Collectors Face $10 Million Fines (And They Hope You Never Find Out)
Debt collectors in Australia face fines up to $10 million for harassment and misconduct. Learn the penalties they hope you never discover.
Did Your Debt Collector Just Call Your Mum? That’s Illegal Under Australian Law
If a debt collector contacted your family about your debt, they broke the law. Learn your rights under the Privacy Act and how to fight back. 91.6% success rate.