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.
Paying Off Debt Won’t Fix Your Credit File (Here’s What Will)
Paying off a debt doesn't remove the default from your credit file. Discover the legal process that actually works — with a 91.6% success rate.
9 Out of 10 Broker Deals Killed by Defaults Are Fixable
Most broker deals lost to credit defaults are recoverable. With a 91.6% success rate, MyCRA Lawyers removes defaults in 7-30 days so you can settle.
Why Some Creditors Remove Defaults Faster Than Others
Discover why default removal times vary between creditors. Learn how compliance culture, relationships, and creditor attitudes affect how fast defaults are removed from your credit file.
Can Unpaid Defaults Be Removed From Your Credit File?
Yes, unpaid defaults can be removed. Credit repair focuses on listing process errors, not payment status. Learn how 9 out of 10 defaults are successfully removed.
Equifax Fined $3.5 Million: What This Means for Your Credit Rights
Learn how the Federal Court fined Equifax $3.5 million for misleading consumers. Discover what this landmark case means for your credit rights and how to protect yourself.
How One Credit Enquiry Can Destroy Your Credit Score
Learn why payday lender credit enquiries can cause automatic declines from major banks. Discover how a single enquiry stays on your file for 5 years and what you can do about it.
Did You Actually Receive Your Default Notice? Understanding Your Rights Under Australian Credit Law
Many Australians have defaults on their credit file without ever receiving proper notice. Learn about your legal rights and what creditors must do before listing a default.
Is There a Time Limit for Listing a Default? Understanding the Legal Timeframes Creditors Must Follow
Creditors must follow strict timeframes before listing a default on your credit file. Learn about Section 6Q and 21D(3) notices, mandatory waiting periods, and what happens when creditors miss their window.
What Is RHI and Why Is It Quietly Killing Your Credit Score?
Repayment History Information (RHI) may be silently damaging your credit score every month. Learn what RHI is, how it works, and what you can do about inaccurate reporting.
Why Some Creditors Remove Defaults Faster Than Others
Learn why some creditors remove defaults faster than others. Discover the 4 key factors affecting default removal timeframes: compliance culture, established relationships, creditor attitudes, and debt ownership.
ASIC Probe – Credit Repair Investigation: Premium vs Predatory Services
ASIC's investigation into debt management and credit repair services exposes a critical divide in the industry - between legitimate premium legal services and predatory operators exploiting vulnerable consumers. As CEO of MyCRA Lawyers, Graham Doessel explains why higher legal fees actually protect consumers, the importance of professional regulation, and how to distinguish between qualified legal representation and companies that make empty promises to desperate clients. Learn what ASIC's probe means for Australian consumers seeking credit repair services.