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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.

TEKVA

Fast support and free tools for Australians in financial difficulty.

TEKVA

Fast support and free tools for Australians in financial difficulty.

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Financial counselling at TEKVA is delivered by FCAN-registered Financial Counsellors. Financial capability support is provided by Financial Capability Workers — distinct from financial counselling, with no credit advice or creditor negotiation. We also provide crisis triage, practical support, and referral coordination. We do not provide AFSL-licensed financial product advice, legal advice, or insolvency advice. Where specialist support is needed, we connect people to qualified professionals.

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