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Government debt recovery activities related to social security payments, the family tax benefit and child care subsidies are set to be paused for the duration of the coronavirus pandemic.
" ["fulltext"]=> string(994) "According to Services Australia, Centrelink debt won’t be referred to external collection agencies for the next six months.
Tax refunds also won’t be chased for the purpose of settling government debts.
The government agency said it won’t be asking Australians to repay any monies owed “unless the debt relates to fraud or serious non-compliance”.
“This means that during these difficult times, you can focus on your personal situation.”
The pause will initially last for a six-month period – until October 2020.
For those individuals who already have a payment arrangement in place and can continue to pay off such debts, this pause will not apply.
For anyone who does need to reduce or stop their repayments for a period, they are encouraged to contact Centrelink’s debt line.
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Government debt recovery activities related to social security payments, the family tax benefit and child care subsidies are set to be paused for the duration of the coronavirus pandemic.
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to money, a survey has revealed.
" ["fulltext"]=> string(1664) "A further 27 per cent of coupled-up individuals consider trusting their partner with money management “depend[ing] on the circumstances”, according to the recently released St.George Family Finances survey.
With economic uncertainties now rife, it would make sense that couples need to be having honest conversations around their financial situation, even when it’s possibly uncomfortable.
The survey highlighted that almost one in 10 people in committed relationships is not open and honest with their partner about debt and their financial situation.
It also found that more than three in 10 coupled-up Australians believe managing personal debt can add an extra level of stress to their relationship.
For Ross Miller, the general manager at St.George Bank, “trust and openness are so important in committed relationships, particularly when it comes to money”.
“Across the board, couples aren’t talking about money nearly enough,” he continued.
“This is a problem because we know that those in debt could see their financial situation snowball, causing potential problems for them and their relationship in the future.
“Being open is particularly important for couples because, ultimately, at some point in their lives, their true financial situation is likely to be revealed.”
He concluded: “Whether it’s problems with credit history when they apply for a home loan, combining household income for a family tax return, or in the unfortunate incidence of getting a divorce, a person’s financial situation can rarely stay secret in a relationship forever.”
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Almost one in four Australians in a relationship doesn’t trust their partner when it comes to money, a survey has revealed.
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result of the coronavirus fallout.
" ["fulltext"]=> string(848) "Among the proposed economic initiatives put forward by Prime Minister Scott Morrison and the Treasury on Sunday, 22 March, were a number of changes to bankruptcy law.
According to the Australian Financial Security Authority (AFSA), the debt threshold for creditors to apply for a bankruptcy notice against a debtor will increase to $20,000.
In addition, the time frame for a debtor to respond to a bankruptcy notice before a creditor can commence bankruptcy proceedings will be increased to up to six months.
The temporary protection period procedure available for debtors is also likely to change to prevent recovery action by unsecured creditors for a six-month period.
AFSA has outlined that the changes are expected to come into effect shortly.
nestegg will provide an update as we learn more.
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Bankruptcy laws are set to change in response to the increasing number of Australians set to suffer financially as a result of the coronavirus fallout.
Write comment (0 Comments) " ["jcfields"]=> array(9) { [1]=> object(stdClass)#7864 (32) { ["id"]=> string(1) "1" ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> string(4) "2355" ["ordering"]=> string(2) "-1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#7640 (3) { ["data":protected]=> object(stdClass)#7654 (1) { ["options"]=> object(stdClass)#7652 (2) { ["options0"]=> object(stdClass)#7651 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#7653 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#7650 (3) { 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and making a false declaration to authorities about his financial circumstances prior to filing for bankruptcy.
" ["fulltext"]=> string(2176) "In a statement outlining the conviction that doubled as a warning to all Australians, the Australian Financial Security Authority (AFSA) has highlighted that “disposing of property within 12 months of going bankrupt and making a false declaration are offences under Commonwealth bankruptcy law”.
James Brendan Nash was sentenced to a 12-month community corrections order that includes 120 hours of community service after he pleaded guilty to disposing of more than 30,000 shares held in a private company six months before he declared bankruptcy in April 2015.
He also disposed of five ordinary shares from a separate company “that would have potentially yielded a significant dividend” in January 2015.
AFSA said Mr Nash failed to declare that he had sold, transferred or given away shares in a private company in his statement of affairs.
He also did not declare his previous holding of a company directorship position.
The “serious nature of the charges warranted action”, according to the magistrate presiding over the matter, despite Mr Nash’s low risk of reoffending and guilty pleas.
AFSA’s deputy chief executive, Gavin McCosker, has reiterated the serious nature of any and all efforts to defraud Australia’s personal insolvency system, considering the authority as “a firm and fair regulator”.
“We take enforcement action against those who have broken the law to maintain the public’s confidence in the personal insolvency system,” he commented.
Taking alleged breaches of bankruptcy law seriously, the deputy chief executive noted that AFSA will investigate any issues and work with the Commonwealth Director of Public Prosecutors to seek convictions where evidence of wrongdoing is found.
“It is important that people entering into bankruptcy are honest with their trustee and provide accurate information about their financial circumstances,” he warned.
Mr McCosker said a failure to declare the sale or disposal of shares prior to bankruptcy disadvantages genuine creditors.
“Not only is it unfair, it is also illegal,” he said.
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A Victorian man has been convicted of disposing property and making a false declaration to authorities about his financial circumstances prior to filing for bankruptcy.
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["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(86) "/save-money/debt-consolidation/behaviour-lands-bankrupt-victorian-with-criminal-record" ["image"]=> string(42) "images/article-826x550/hiding-money-ne.jpg" ["image_alt"]=> string(55) "Behaviour lands bankrupt Victorian with criminal record" } [4]=> object(stdClass)#7536 (56) { ["id"]=> string(5) "14347" ["title"]=> string(31) "Is debt consolidation worth it?" ["alias"]=> string(30) "is-debt-consolidation-worth-it" ["introtext"]=> string(166) "Debt consolidation is when you rollover all your unsecured debts under one debt so that you only have one interest rate, monthly payment and fees to pay off.
" ["fulltext"]=> string(3700) "However, there’s no single way to knock down debts.
Some people consolidate their debts and pay them off by taking out a loan or applying for a balance transfer card so that they only have one large debt to manage.
There are also people who prefer to optimise their debts and pay them off separately through refinancing.
Here’s what you need to know about the three common options for addressing debt.
Debt consolidation
Debt consolidation through loans
Taking out a debt consolidation loan can be a good alternative to creating a do-it-yourself (DIY) debt repayment plan and deciding which among your debts to knock down first.
With this type of loan, you’ll know how much you need to pay each period without worrying about a variety of high interest rates and fees being applied to some balances.
Likewise, it eliminates the need to decide whether to focus on the balance or interest rate when making extra repayments.
Some experts advise against quickly rolling all your debts into one loan because it may prolong the life of your debt.
If this happens, your potential savings from a lower interest rate may be reduced or you’d actually pay more in interest.
Debt consolidation through credit card financing
Also called balance transfer, credit card financing refers to the process of transferring debts from one credit card to another that offers more favourable rates.
A balance transfer card basically pays off your debt in your old cards using the new card. In turn, your debts are consolidated in one account with zero or low interest for a specified duration.
Once this no-interest or low-interest period ends, any balance left will attract a higher interest rate.
Refinancing
Refinancing doesn’t lower the number of debts you have. Rather, it allows you to minimise the cost of one or more debts by replacing them with better rates and, when applicable, lower fees.
You may also apply both strategies at the same time since some people also consolidate debts when they refinance.
However, you need to consider the benefits of each strategy to your current financial circumstances when deciding whether to apply one or both.
If you’re not sure which one is more appropriate to your situation, consider seeking the advice of a professional or a financial counsellor from the National Debt Helpline who can help you weigh your options.
Debt consolidation v refinancing
While debt consolidation means to combine all your debt into one, refinancing focuses on replacing some debts to secure more favourable terms.
Neither is necessarily better than the other – it all depends on your current circumstances.
Debt consolidation is worth it if your potential savings in interest from the new loan is greater than the amount you’ll save if you follow a do-it-yourself plan.
Likewise, you must be willing to exercise due diligence to secure appropriate terms and have a firm resolution to get out of debt. Without these, you may fall behind on payments and end up with a bigger debt than when you started.
How to avoid being deep in debt
Regardless of how you choose to pay off your debt, the most important thing you need to do is to commit to paying off your balance in full and on time each billing statement. Furthermore, you’ll need to commit to altering your spending behaviour to avoid repeating the debt cycle.
Explore nestegg for more information about debts and the various strategies to address them.
- Yes
Debt consolidation is when you rollover all your unsecured debts under one debt so that you only have one interest rate, monthly payment and fees to pay off.
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["alias"]=> string(19) "what-is-refinancing" ["introtext"]=> string(187) "Paying high-interest debts can decrease the amount of money you can put into your savings, but you may be able to save more money if you refinance when conditions are favourable.
" ["fulltext"]=> string(3458) "However, refinancing isn’t a one-stop solution to your debt problem. Refinancing doesn’t lower your balance or the number of debts you have.
Rather, it allows you to minimise the total cost of one or more debts by replacing them with better rates and, when applicable, lower fees.
While debt consolidation means to combine all your debt into one, refinancing focuses on replacing some debts to secure more favourable terms.
Refinancing doesn’t necessarily mean switching credit providers – the main idea is to optimise your debts by switching to a more favourable loan from the same or different provider.
What do I need to refinance?
If you’re considering refinancing your loan, make sure to make ample preparations so that you can secure the most appropriate deal.
The most important thing you need is to have a good understanding of your current loan terms so that you have a good starting point for when you negotiate new loan terms.
Shop around for different loans and compare how much you can save if you take up the offer. Likewise, you may speak to a licensed broker who can present a variety of options outside of your credit provider.
How can I refinance?
Refinancing itself is easy because you just need to look for a better loan than your current one and make the switch. However, there are several things you need to consider before finalising the switch.
- Compare different loans you may potentially switch to
Before you inform your lender that you’re refinancing, make sure that you’ve done your homework.
Research different loans you may switch to and take note of how much the fees are then create a shortlist of specific loans - Talk to your lender
Call your lender to inform them that you plan to refinance your loan. If you’ve been a good client who makes timely repayments, there’s a big chance that they may want to retain you. If this is the case, consider asking for a better deal on your loan. - Make the switch
If your lender refuses to give you a better offer and the loan you’re considering really has better terms, push through with refinancing.
What are the benefits of refinance?
There are several benefits you may gain if you choose the right loan to refinance to.
You can save more money
Refinancing your loan may help you save more money because you would be switching to another loan with a more favourable interest rate.
On top of this, your total savings may further increase if your lender charges lower fees.
Pay off your mortgage faster
Refinancing doesn’t only save you money, you may also be able to pay off your balance faster if you maintain the repayment amount despite better terms and a lower interest rate.
Likewise, you may consider refinancing into a loan with a shorter term.
You can free up your finances
Refinancing your loan may help you regain your financial footing by freeing up some of your money that’s tied up for repayments.
You can consolidate your debts
If you have a good credit score, refinancing may allow you to consolidate your debts and decrease your financial liabilities.
- Yes
Paying high-interest debts can decrease the amount of money you can put into your savings, but you may be able to save more money if you refinance when conditions are favourable.
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