5: Managing your money

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5.1: Dealing with social security

Key legislation

Guides to social security

Pensions

Allowances and payments

Compliance with mutual obligations requirements

Supplementary payments

Bonuses

Income management and enhanced income management

Concession cards

International agreements

Portability

Compensation and damages payments

Income tax and Centrelink payments

Overpayments

Social security appeals

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5.2: Are you in debt?

Introduction

Credit reporting and privacy protection

Queries about your credit report

Contact from the creditor to try to make you pay

Statute-barred debts

Your rights and options

If you are sued

Defences if you are sued

Applying for a rehearing

Enforcement of court orders

Services that can help with debt

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5.3: Understanding bankruptcy

What is bankruptcy?

Who can be made bankrupt?

Who administers the bankruptcy law?

What happens to a bankrupt’s property?

What happens to a bankrupt’s income?

The effect of bankruptcy on debts

Leaving Australia

Criminal offences under the Bankruptcy Act

The process of going bankrupt

When does bankruptcy end?

Other procedures under the Bankruptcy Act

Further information and Contacts

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5.4 Financial counselling services

5.4: Financial counselling services

What is a financial counsellor?

National financial counselling services

State-wide financial counselling services

Melbourne financial counselling services

Country financial counselling services

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5.5 Taxation

5.5: Taxation

Introduction

How is your income tax liability determined?

Taxpayer’s responsibilities and your tax file number

Tax returns

Assessment of your tax return

Queries: Private rulings and oral rulings

Penalties, interest charges and offences relating to tax returns

Objections, reviews and appeals

Paying your tax

Fringe Benefits Tax

Goods and Services Tax

State duties and taxes

Contacts

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5.6 Superannuation

5.6: Superannuation

Superannuation schemes

Regulation of funds

Superannuation benefits

Superannuation benefit disputes

Reviewing a trustee’s decision

Reviewing an insurer’s decision

Contacts

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5.7 Understanding credit and finance

5.7: Understanding credit and finance

Introduction and key legislation

Buy now pay later

What is a credit contract?

Excluded contracts

Which credit providers must comply with the National Consumer Credit Protection Act?

Before you enter a credit contract

Disclosure before entering a contract

What information should be in a credit contract?

Contacts

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5.8 Mortgages, consumer leases and other finance products

5.8: Mortgages, consumer leases and other finance products

Mortgages

Guarantees

Varying, re-opening and terminating credit contracts

Enforcement of credit contracts

Consumer leases

Payday loans

Credit-related insurance

Tied credit contracts

Vendor terms and rent-to-buy arrangements

Pawnbrokers

Finance brokers

Contacts

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5.9 Credit reporting

5.9: Credit reporting

Introduction

Credit report regulation

Who can add information to a credit report?

What information is in a credit report?

Misuse of information in credit reports

Identity theft and credit reporting

Correcting credit reports and complaints

Getting a copy of your credit report

How information on a credit report is used

Contacts

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5.10 Unauthorised transactions and ePayments Code

5.10: Unauthorised transactions and ePayments Code

Unauthorised transactions and credit disputes

Credit and finance industry codes of conduct

Solving disputes with creditors

Where to get help and Contacts

View all 5.10

Discover the contents of each topic

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5: Managing your money

5.1: Dealing with social security

5.2: Are you in debt?

5.3: Understanding bankruptcy

5.4 Financial counselling services

5.5 Taxation

5.6 Superannuation

5.7 Understanding credit and finance

5.8 Mortgages, consumer leases and other finance products

5.9 Credit reporting

5.10 Unauthorised transactions and ePayments Code

Discover the contents of each topic

1 Understanding our laws and courts

2 Getting help

3 Fines, infringements and criminal law

4 Relationships, families and young people

5 Managing your money

6 Houses, communities and the road

7 Consumers, contracts, the internet and copyright

8 Disability, unfair treatment and advocacy

9 Health, wills and other legal issues affecting older people

10 Accidents, insurance and compensation

11 Rights, activism and fair treatment at work

12 Government and the individual

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