§ Writing

Notes on getting back to even.

Practical tips and plain-language guides for navigating financial hardship in Australia.

27/04/202620 min read

Debt management in Australia: every option, honestly explained

Informal hardship, DMPs, Part IX debt agreements, bankruptcy — what they are, what they cost, and which one fits. With free alternatives named first.

27/04/202616 min read

Westpac financial hardship: how Westpac Assist works (and what to do if they say no)

What Westpac Assist actually offers, the 21-day rule under section 72 of the National Credit Code, and the AFCA escalation path if your hardship application is refused.

27/04/202619 min read

BNPL financial hardship in Australia: Afterpay, Zip, Klarna and Latitude

What your rights are if you can't pay an Afterpay, Zip, Klarna or Latitude account — including the post-June-2025 NCCP rules, the 21-day response window, and what to do when hardship is refused.