​ሕግንና ደንብን በተመለከተ እርዳታ ማግኘት ይፈልጋሉን? - Amharic | هل تحتاج لمساعدة قانونية؟ - Arabic | ܤܢܝܼܩܵܐ ܝ݇ܘ̤ܬ ܠܗܲܝܵܪܬܵܐ ܩܵܢܘܿܢܵܝܬܵܐ؟ - Assyrian | Need Legal Help? - Auslan | Treba li vam pravna pomoc? - Bosnian | Burmese â Need Legal Help? | 需要法律帮助吗? - Chinese Simplified | 需要法律幫助嗎? - Chinese Traditional | Trebate li pravnu pomoć? - Croatian | ضرورت به کمک قانونی دارید؟ - Dari | Wïc Kuɔɔny në Wɛ̈t Löŋ? - Dinka | آیا به کمک حقوقی نیاز دارید؟ - Farsi | Gadreva na Veivuke Vakalawa? - Fijian | Kailangan ninyo ba ng tulong na panglegal? - Filipino | Besoin d’aide juridique ? - French | Χρειάζεστε βοήθεια σε νομικά ζητήματα - Greek | क्या आपको कानूनी सलाह चाहिए? - Hindi | Butuhkan Bantuan dalam Masalah Hukum? - Indonesian | Hai bisogno di assistenza legale? - Italian | ត្រូវការជំនួយលើបញ្ហាផ្លូវច្បាប់ឬទេ? - Khmer | 법적인 도움이 필요하십니까? - Korean | Ви треба ли помош со правни работи? - Macedonian | कानूनी सहयोग चाहिएको छ? - Nepalese | Necessita de ajuda com questões jurídicas? - Portuguese | Вам нужна юридическая помощь? - Russian | E Manaomia Fesoasoani i Mea Tau Tulafono? - Samoan | а ли вам треба помоћ у правним питањима? - Serbian | Ma u baahan tahay Caawimmad xagga sharciga ah?- Somali | ¿Necesita ayuda con cuestiones jurídicas? - Spanish | சட்ட உதவி தேவையா? - Tamil | ท่านต้องการความช่วยเหลือทางด้านกฎหมายไหม? - Thai | Fiema’u ha tokoni Fakalao? - Tongan | Yasal Danışmaya İhtiyacınız mı var? - Turkish | Cần Được Giúp Đỡ Về Luật Pháp? - Vietnamese |

Negotiating with the creditor after judgment

If you cannot pay the judgment debt immediately, you can try to negotiate with the judgment creditor about payment of the debt.

If you can negotiate an agreement about payment, you may avoid having your wages or bank account garnished or your property seized and sold. You may also avoid having enforcement costs added to the judgment debt.

You could negotiate with the judgment creditor:

  • to pay the judgment debt in a lump sum at an agreed date in the future.
  • to pay an amount less than the judgment debt as a lump sum. You should get this agreement in writing to protect you from any claims for the balance of the debt in the future.
  • to pay the judgment debt in a few large instalments on agreed dates.
  • to pay the judgment debt in many smaller instalments over a longer period of time.
  • not to have interest added to the debt.

It is a good idea to make any payment offers to the judgment creditor in writing. In your letter you can explain why you cannot pay the judgment debt immediately.

If you come to an agreement with the judgment creditor about payment of the judgment debt, the agreement should be in writing and signed by you and the judgment creditor. For more information, see Sample Consent Order - Payment by instalments.

If you need help negotiating with the judgment creditor, you should contact a free financial counsellor. You can find a free financial counsellor through the website of the Financial Counsellors' Association of NSW (FCAN).

If negotiations do not work, you can apply to the Local Court to pay the judgment debt by instalments. For more information, see Payment by instalments - Debtor.