Skip to:
  • Page content
  • Site navigation
  • Quick Links
  • عربي / Arabic
  • 中文 / Chinese
  • Türkçe / Turkish
  • Việt-ngữ / Vietnamese
  • Ελληvικά / Greek
  • More languages...
Victoria Legal Aid - Lawyers And Legal Services. Victoria Legal Aid
(03) 9269 0120Melbourne 1800 677 402Rural areas Locate us
  • Home
  • About us
  • What we do
  • For lawyers
  • Legal information
  • Get PDF Reader

Legal information

  • Relationship breakdown
  • Intervention orders
  • Children and parenting
  • Traffic
  • Crime
  • Victims of crime
  • Youth issues
  • Centrelink, work and debt
    • Centrelink
    • Work
    • Contracts
    • Debt
      • Debt flowchart
      • Getting help with financial problems
      • Debtors' rights
      • Debtors' options
      • Creditor notices and letters of demand
      • Deciding whether you owe the debt
      • Disputing a debt
      • Debt collection
      • Being sued
      • Bankruptcy
    • Credit
  • Housing and neighbourhood disputes
  • Getting fair treatment
  • Birth, life and death
  • Legal system
  • Making a complaint
  • New law
Home > Legal information > Centrelink, work and debt > Debt > Debt flowchart

Debt flowchart

This flowchart describes the stages and outcomes of being in debt and debt recovery. Select a stage to read more information about it, or select from the links under 'More information', below.

Debtors' rights and optionsSummons for oral examinationInstalment orderAttachment order - wages or debtWarrantsBankruptcyPayWinLoseNote: Once judgment is made, the creditor does not have to choose one option before the other.Creditor notices and letters of demandCreditor notices and letters of demandDebt collectionBeing suedDefenceNo defenceDon't payCourt hearingJudgmentCreditor optionsDebtor optionsPay

More information

Debtors' rights

Debtors' options

Creditor notices & letters of demand

Debt collection

Being sued

Entering a defence

Court hearing & judgment

Creditors' options

Quick links

  • Contact us
  • Publications
  • Legal words
  • Working at VLA
  • VLA Handbook for lawyers
  • ATLAS+
  • Contact us  |  Copyright  |  Privacy  |  Disclaimer  |  Sitemap  |  Accessibility statement
Last reviewed: 02 January 2009    Last modified: 15 May 2009