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Your rights

Fines and infringements — your rights and options

Payment plans, Work and Development Orders, special circumstances, and toll debt hardship

State and territory fines enforcement legislation (varies by jurisdiction)

Unpaid fines can spiral into licence suspension, wage garnishment, and even imprisonment in some states. But every state has hardship options — including Work and Development Orders that let you clear fines through activities instead of payment.

This is general information, not financial or legal advice. For help with your specific situation, call the National Debt Helpline on 1800 007 007 (free, confidential).

Payment plans are always available

State fines enforcement legislation (all jurisdictions)

Every state allows you to pay fines by instalments. You can apply online, by phone, or in person. Payments can often be deducted from Centrelink payments via Centrepay.

Work and Development Orders (WDOs)

Fines Act 1996 (NSW) Part 4A, Infringements Act 2006 (Vic) s27A, State Penalties Enforcement Act 1999 (Qld), Fines Penalties and Infringement Notices Enforcement Act 1994 (WA)

In NSW, VIC, QLD, and WA you can clear fine debt through approved activities: unpaid work, courses, financial counselling, mentoring, or medical treatment. An approved sponsor applies on your behalf. While active, enforcement action is paused and suspended licences are reinstated.

Special circumstances revocation

Infringements Act 2006 (Vic) s68

In Victoria, fines can be revoked entirely if at the time of the offence you had a mental or intellectual disability, serious addiction, were homeless, or were a victim-survivor of family violence. Evidence from a treating professional is required.

Right to internal review

State infringement legislation (all jurisdictions)

You can request a review of any infringement notice if you believe it was issued in error, you were not the driver, or there are special circumstances. Time limits apply (typically 14–28 days).

Right to elect court hearing

State infringement legislation (all jurisdictions)

For infringement notices (not court fines), you can elect to have the matter heard in court instead of paying the penalty. The court can consider your circumstances and may impose a lower penalty or no penalty.

Toll debt hardship (Linkt Assist)

Linkt Assist program (1300 767 865)

Transurban's Linkt Assist offers payment plans, payment-free periods, partial or complete debt forgiveness, and infringement recall — asking enforcement agencies to return fines to Linkt for resolution. A financial counsellor can provide a professional assessment to support your application.

Hardship write-off

Fines Act 1996 (NSW), Fines Enforcement and Debt Recovery Act 2017 (SA)

In NSW, Revenue NSW may postpone fines for 5 years during severe hardship. If circumstances have not improved, fines may be written off entirely. In SA, community service is available at 7.5 hours per $200 owed.

In your state

Your state

Select your state above to see local ombudsmen, grants, and contact numbers.

Need help asserting your rights?

A financial counsellor can negotiate with companies on your behalf — for free.

Generate a free hardship letterFind a counsellor

Other rights topics

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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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