Know Your Rights.
Then Use Them.
Plain-English guides to Australian law — bonds, tradies, tribunals, consumer rights, and more. Written so you can actually act on them.
The $150 / 60-Day Rule: When a Credit Default Is Unlawful and Must Come Off Your File
A default can only be listed if it was at least $150, at least 60 days overdue, and you were sent two written notices first. Miss any one of those and the…
Read Guide →Is My Old Debt Statute-Barred? The 6-Year Rule (3 in the Northern Territory), State by State, and What to Send
A collector has surfaced a debt from 2017. In every state but the NT a simple debt is unenforceable six years after…
Read Guide →Debt Collector Calling Every Day? The Letter That Asks Them to Contact You Only in Writing
Six calls a day, messages at work, threats of court and "bailiffs". The ACCC/ASIC guideline caps contact at three a week, the…
Read Guide →Final Pay Is Late or Short: The Demand Letter and the $100k Small-Claims Route (Every State)
You resigned or were let go, and the final pay is missing, late, or minus your leave, notice or long service leave.…
Read Guide →Made Redundant? Check Your Payout Against the NES Redundancy Scale in 2 Minutes
The National Employment Standards fix redundancy pay by years of service, notice by length of service and age, and require accrued leave…
Read Guide →Sacked After Taking Sick Leave or Asking About Your Pay? The 21-Day Fair Work Form Nobody Tells You About
Fired the week after a medical certificate, a pay query, a safety complaint or a pregnancy announcement? That timing is the case.…
Read Guide →Not Eligible for Unfair Dismissal? You Probably Have a General Protections Claim (and It Isn’t Capped)
Casual, under six months, over the high-income threshold, or still employed and being punished? Unfair dismissal is closed to you, but the…
Read Guide →Progress Claim Ignored? How SOPA Adjudication Gets Subcontractors Paid Without Going to Court
A court case takes 18 months. Security of Payment adjudication takes about six weeks from the day you serve a payment claim…
Read Guide →Builder Hasn’t Paid You? How a Security of Payment Claim Works (Every State)
Your invoice is 60 days old and the builder is "waiting on the client". Every state has a Security of Payment Act…
Read Guide →Breaking a Lease Due to Hardship (Job Loss, Illness, Family Violence): What to Send and What You Won’t Owe
When circumstances collapse, most states let you end a fixed-term lease with reduced or no break costs. The hardship, family-violence and uninhabitable-premises…
Read Guide →Reading About It Is Step One.
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