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Debt and Credit Law. Defences to actions for debt based in contract Mental disability Old debts (limitation of actions) Unfair contract terms Unconscionable.

Published byCynthia Freeman Modified over 9 years ago

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Presentation on theme: "Debt and Credit Law. Defences to actions for debt based in contract Mental disability Old debts (limitation of actions) Unfair contract terms Unconscionable."— Presentation transcript:

1 Debt and Credit Law

2 Defences to actions for debt based in contract Mental disability Old debts (limitation of actions) Unfair contract terms Unconscionable conduct Misleading or deceptive conduct

3 Defences to actions in consumer credit contracts Unjust transactions: -'shopping list' including over- commitment - re-opening unjust transactions

4 Hardship variations Victorian Civil and Administrative Tribunal: exclusive jurisdiction

5 Debtor harassment

6 Oral examination Instalment orders Warrant to seize property Attachment of earnings Attachment of debt Judgment debt recovery

7 Credit reporting

8 Financial counsellors

9 Creditors' petitions Debtors' petitions Provable debts Income contributions Divisible (protected) property Offences Debt agreements Bankruptcy

10 Must I pay? Recap: - Old debts - Social security recipients - Bankruptcy

11 Resources Email: advice@ccls.org.au Website: www.ccls.org.au

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