Planning and budgeting	Getting started	Understanding paperwork	Credit providers
Dealing with debt	Rights and responsibilities	Planning for the future	A roof over head

Dealing with debt offers practical advice and activities for coping with debt and helps people to work through any difficulty and avoid future unmanageable debt.

The workshops include:

• Debt - discusses forms of debt, the cost of borrowing and understanding implications of financial decisions.
• Recovery plan - introduces a range of options and strategies to help people develop a personal recovery plan and money plan and discusses options for repaying debt.
• When paying is difficult - discusses options if debt becomes unmanageable including financial counselling, debt collection and debt recovery, statute barred debts, harassment and bankruptcy.

• Debt (PDF, 44kb)
• Recovery plan (PDF, 46kb)
• When paying is difficult (PDF, 44kb)

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