​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 |

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Debt    

Debts are a very common legal problem that most people experience at some stage in their life. This top​ic explains what you can do if you are owed money, or if someone is chasing you for money.​

    What's a debt?

    Debts can arise in lots of different ways. In this section you will find information about:

    • ​Contracts
    • Gifts and private loans
    • Loans and credit cards
    • Electricity, gas, water and phone bills.

    For more information, see What's a debt?

    Making a claim

    If someone owes you money, you can make a claim asking them to repay the money to you. You can​ phone them, send them an email or sms, or write them a letter. A common way to make a claim for money owed is to send a letter of demand.

    For more information, see Making a claim.

    Responding to a claim​

    If someone is chasing you for money, they may send you a letter of demand, or they might phone you, or send you an email or sms. There are different ways that you can respond to their claim, including writing a response to their letter of demand.

    For more information, see Responding to a claim.

    Resolving your dispute

    If you have a dispute with someone about a debt, it is really important to try to resolve that dispute without going to court. Talk to the other person, negotiate with them, or try mediation.

    For more information, see Resolving your dispute​.

    Going to court

    If you can't resolve your dispute, you may end up in court. If you are owed money, you will need to decide whether to start a case. If someone is chasing you for money and they start a case against you, you will need to decide how to respond to the court case. However, it is a good idea to try to avoid going to court by settling your dispute, if possible. 

    For more information, see Going to court.

    Flowcharts

    If you want a visual overview of how to make or respond to a claim about a debt, see Flowcharts.

    Frequently asked ​​questions

    This section has answers to common questions that you may have about debts – when someone owes you money, or someone is chasing you for money. This is a good starting point if you're not sure where to begin your search for information.

    For more information, see Frequently asked questions

    Woman on phone 

    COVID-19 Update

    If you need to file documents with the Court, Tribunal or Commission, you should contact them directly to see what options are available to you. You may be required to file the documents online, by post or in-person. 

    If you need to appear at the Court, Tribunal or Commission, you should contact them directly to see what options are available to you. You may be required to appear in person, by phone or Audio Visual Link (AVL).

    For more information, see COVID-19 (coronavirus) on the New South Wales Local Court website.