Credit and Financial Hardship Information

 

Fact sheets

What is financial Counselling

Are you having problems with your loan? here is some useful information:
On the menu on the left hand side of the CCLC page, go to "Factsheets" and scroll down until you find the desired document
Before you borrow money
How do I get copies of my loan documents?
Does the consumer credit code apply?
Can't pay your loan?
Hardship variations on consumer loans
Repossession — car and other goods
Court Action to Take Your Mortgaged Home
Making a consumer credit insurance claim

With the change of circumstances you may need to re-do your budget, here are some useful documents that will assist.
Short personal Budget
Personal Budget

Are you being chased for a debt? then click here

Useful things to include with your letter to the Bank / Lender / Creditor

Disclaimer: The information contained on this web site is of a general nature. It is intended as a guide and you must not rely
 on the information contained on this website for legal purposes. If you have a legal problem you must seek independent legal
 advice from a qualified legal practitioner. To the extent permissible by law, the Lismore and District Financial Counselling
Service Inc. disclaims all liability for anything contained on or accessed via this site and any use you make of it.
Please note that some of the information on this website applies to residents of NSW Australia only.

Original site design was produced with funding from the Sugar Industry Reform Program