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Talk to our consumer protection lawyers. If you’re worried about a money or debt issue, getting legal advice as early as possible can help you get the best outcome for your situation.
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Sometimes money and debt problems can develop into legal problems too. When this happens, we can help you understand your legal rights and what you should do next.
We provide free legal information and advice to financially disadvantaged people — these services are not means or merit tested.
We try to help people resolve their legal problems without having to go to court.
We can help if you owe money and you’re in dispute with the lender (eg your bank, building society or other credit provider). Lenders belong to an independent dispute resolution scheme, which means you have an organisation to contact to make a complaint and to help resolve the dispute with the lender. These schemes are free and act independently of you and the lender. To make a complaint contact the Financial Ombudsman Service 1800 367 287 or www.fos.org.au, or the Credit and Investments Ombudsman 1800 138 422 or www.cio.org.au
We can help if you’re having trouble paying your car loan. We may be able to help you renegotiate the terms of your loan so it is easier for you to meet the payments.
We can help if you’ve been caught out by a pay day loan or by a lender who has charged interest rates you just can’t keep up with. Too often people agree to a pay day loan or accept a loan at high interest rates and don’t realise the total amount they have to pay back could financially ruin them. Pretty soon they find themselves falling deeper and deeper into debt.
Too many direct debits from your bank accounts or credit cards can quickly lead to over-commitment. If you do not have enough money to pay when the direct debit is due, you will be charged a dishonour fee by your bank and often the lender. Resolving disputes about direct debit payments is difficult and often people don’t know how to cancel a direct debit. We can help you sort out problems with direct debits.
We can help if you feel you’ve been unfairly treated either by a phone, gas or electricity company you owe money to, or by the way the service was sold to you. If your phone, gas or electricity company refuses to be flexible about payments or doesn’t resolve your complaint, there are organisations where you can make an official complaint and help you negotiate flexible arrangements.
We can help if you’ve bought something and signed up to a plan or contract, and didn’t read or understand all the paperwork. You need to understand exactly what you’re getting into when you buy something like a mobile phone on a plan, or when you sign a contract.
Money and debt problems can be confusing and frightening if you don’t know your rights.
If you owe someone money the law says they can’t:
You can access our services by calling 1300 65 11 88 for the cost of a local call (from a landline in Queensland).
The first person you talk to will be one of our customer service officers. They can provide you with free legal information and, if necessary, arrange for you to make an appointment to get free legal advice from one of our lawyers.
Yes. Our services are confidential and we are committed to protecting your privacy. We will not provide your personal information or details about your legal problem to anyone, unless we are legally required to.
If you would like this factsheet explained in your language, you can contact us through the Translating and Interpreting Service (TIS) on 13 14 50. TIS will organise an interpreter in your language and will connect you to Legal Aid Queensland. This is a confidential and free service.