Payday loans and small amount credit contracts
What a SACC is, the well-known 20 per cent plus 4 per cent cost cap, protected earnings, and the cheaper rooms to try before another short loan.
CMS Editorial · 5 March 2026
When money is tight
Debt and hardship
Most credit problems become expensive because people wait. Australian law gives borrowers specific hardship rights. These guides explain those rights, and the products that make a hole deeper.
Debt consolidation in Australia
When rolling several debts into one loan actually reduces interest, when it only lengthens the term, and why security over a car or a house is not a detail.
CMS Editorial · 11 February 2026
Hardship variations under the National Credit Code
How a section 72 hardship notice works, what a variation can look like, the statutory clocks, and the path from a declined request to IDR and AFCA.
CMS Editorial · 22 January 2026
When you cannot pay a loan
What usually happens in the first fortnight after a missed repayment, why a default notice is not junk mail, and how a collection call differs from a legal pathway.
CMS Editorial · 18 November 2025
Debt agreements and bankruptcy
Part IX debt agreements and bankruptcy are formal insolvency, not a marketing category. What they do to a credit file, the role of AFSA, and why free advice comes before a paid broker.
CMS Editorial · 8 October 2025