Know your rights

What they must do when you can't pay

Australian law gives you real protections when you're in financial difficulty. Energy companies, banks, telcos, and even debt collectors have specific obligations — here's what they are.

Energy rights

Credit & loan rights

Phone & internet rights

Debt collector rules

Insurance rights

Fines & infringements

Accessing your super

Housing & tenancy rights

Why this matters
Most people in financial difficulty don't know their rights. That's what companies count on.
Understanding your rights changes the dynamic. You go from asking for a favour to asserting a legal entitlement. That difference matters.