{"id":2985,"date":"2024-02-08T05:14:59","date_gmt":"2024-02-08T05:14:59","guid":{"rendered":"https:\/\/broadenlegal.xtechsolution.com.au\/?p=2985"},"modified":"2024-04-18T04:30:20","modified_gmt":"2024-04-18T04:30:20","slug":"%e7%94%b3%e8%af%b7%e4%b8%b4%e6%97%b6%e5%80%ba%e5%8a%a1%e4%bf%9d%e6%8a%a4%e5%90%8e%e4%bc%9a%e5%8f%91%e7%94%9f%e4%bb%80%e4%b9%88%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.broadenlegal.com.au\/en\/%e7%94%b3%e8%af%b7%e4%b8%b4%e6%97%b6%e5%80%ba%e5%8a%a1%e4%bf%9d%e6%8a%a4%e5%90%8e%e4%bc%9a%e5%8f%91%e7%94%9f%e4%bb%80%e4%b9%88%ef%bc%9f\/","title":{"rendered":"What happens when you apply for temporary debt protection?"},"content":{"rendered":"<p>1. You receive protection<\/p>\n\n\n\n<p>\u4e00\u65e6\u63a5\u53d7\u60a8\u7684\u7533\u8bf7\uff0c\u4e34\u65f6\u503a\u52a1\u4fdd\u62a4\u5c06\u63d0\u4f9b\u4e00\u4e2a\u4e3a\u671f21\u5929\u7684\u4fdd\u62a4\u671f\uff0c\u5728\u6b64\u671f\u95f4\uff0c\u65e0\u62c5\u4fdd\u503a\u6743\u4eba\uff08\u5305\u62ec\u6cd5\u8b66\uff09\u65e0\u6cd5\u91c7\u53d6\u5f3a\u5236\u6267\u884c\u884c\u52a8\u6765\u8ffd\u56de\u60a8\u6b20\u4ed6\u4eec\u7684\u94b1\u3002\u8fd9\u610f\u5473\u7740\u4ed6\u4eec\u65e0\u6cd5\u6263\u9664\u60a8\u7684\u5de5\u8d44\uff0c\u6216\u8005\u8ba9\u6cd5\u8b66\/\u6cd5\u8b66\u67e5\u5c01\u60a8\u7684\u8d22\u7269\u3002<\/p>\n\n\n\n<p>You can use this time to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>seek advice from a free financial counsellor \u2013 see Where to find help<\/li>\n\n\n\n<li>negotiate a payment plan with your creditors. You can do this yourself or authorise someone else to negotiate on your behalf<\/li>\n\n\n\n<li>consider if any of the formal insolvency options would be right for you \u2013 see What are my options?<\/li>\n<\/ul>\n\n\n\n<p>Once your TDP is accepted, you cannot apply for temporary debt protection again for 12 months.<\/p>\n\n\n\n<p>2. Some goods can still be repossessed<\/p>\n\n\n\n<p>Secured creditors can still repossess any assets they hold a security over (such as a house under mortgage), if you can\u2019t make repayments.<\/p>\n\n\n\n<p>3. Some debts are not covered<\/p>\n\n\n\n<p>Temporary debt protection does not apply to some types of debt. These include child support, HELP debts, and fines imposed by a court.<\/p>\n\n\n\n<p>4. Creditors can use it to bankrupt you<\/p>\n\n\n\n<p>It doesn\u2019t stop your creditors from lodging a creditor\u2019s petition with the court to make you bankrupt.<\/p>\n\n\n\n<p>TDP is an \u2018act of bankruptcy\u2019. This means a creditor could use the fact you have lodged a TDP as the basis for an application to the court to make you bankrupt.<\/p>\n\n\n\n<p>5. Creditors can still take some actions<\/p>\n\n\n\n<p>Your creditors can still contact you to seek payment<\/p>\n\n\n\n<p>They can take \u2013 or continue \u2013 legal action to recover the debt<\/p>\n\n\n\n<p>6. You are not made bankrupt<\/p>\n\n\n\n<p>It doesn't automatically make you bankrupt. After 21 days, if you do not apply for bankruptcy, creditors can continue to pursue you for the debts.<\/p>\n\n\n\n<p>7. It is not recorded on the public register of personal bankruptcies<\/p>\n\n\n\n<p>The details of your TDP do not appear on the National Personal Insolvency Index (NPII).<\/p>\n\n\n\n<p>\u535a\u901a\u5f8b\u5e08\u4e8b\u52a1\u6240\u7684\u6fb3\u6d32\u6089\u5c3c\u534e\u4eba\u6c11\u4e8b\u8bc9\u8bbc\u5f8b\u5e08\u5728\u4e0e\u4e34\u65f6\u503a\u52a1\u4fdd\u62a4\u76f8\u5173\u7684\u95ee\u9898\u4e0a\u7ecf\u9a8c\u4e30\u5bcc\uff0c\u6211\u4eec\u53ef\u4ee5\u5e2e\u52a9\u60a8\u66f4\u597d\u5730\u89e3\u51b3\u95ee\u9898\u3002<\/p>\n\n\n\n<p>\u6765\u6e90\uff1a<a href=\"https:\/\/www.afsa.gov.au\/\" title=\"\">\u6fb3\u5927\u5229\u4e9a\u7834\u4ea7\u7ba1\u7406\u5c40 (AFSA)<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u4e34\u65f6\u503a\u52a1\u4fdd\u62a4\u5c06\u63d0\u4f9b\u4e00\u4e2a\u4e3a\u671f21\u5929\u7684\u4fdd\u62a4\u671f\uff0c\u5728\u6b64\u671f\u95f4\uff0c\u65e0\u62c5\u4fdd\u503a\u6743\u4eba\uff08\u5305\u62ec\u6cd5\u8b66\uff09\u65e0\u6cd5\u91c7\u53d6\u5f3a\u5236\u6267\u884c\u884c\u52a8\u6765\u8ffd\u56de\u60a8\u6b20\u4ed6\u4eec\u7684\u94b1\u3002\u8fd9\u610f\u5473\u7740\u4ed6\u4eec\u65e0\u6cd5\u6263\u9664\u60a8\u7684\u5de5\u8d44\uff0c\u6216\u8005\u8ba9\u6cd5\u8b66\/\u6cd5\u8b66\u67e5\u5c01\u60a8\u7684\u8d22\u7269\u3002\u535a\u901a\u5f8b\u5e08\u4e8b\u52a1\u6240\u7684\u6fb3\u6d32\u6089\u5c3c\u534e\u4eba\u6c11\u4e8b\u8bc9\u8bbc\u5f8b\u5e08\u5728\u4e0e\u4e34\u65f6\u503a\u52a1\u4fdd\u62a4\u76f8\u5173\u7684\u95ee\u9898\u4e0a\u7ecf\u9a8c\u4e30\u5bcc\uff0c\u6211\u4eec\u53ef\u4ee5\u5e2e\u52a9\u60a8\u66f4\u597d\u5730\u89e3\u51b3\u95ee\u9898\u3002<\/p>","protected":false},"author":1,"featured_media":98,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13],"tags":[],"lawyer":[],"class_list":["post-2985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-civil-litigation"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.broadenlegal.com.au\/en\/wp-json\/wp\/v2\/posts\/2985","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.broadenlegal.com.au\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.broadenlegal.com.au\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.broadenlegal.com.au\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.broadenlegal.com.au\/en\/wp-json\/wp\/v2\/comments?post=2985"}],"version-history":[{"count":0,"href":"https:\/\/www.broadenlegal.com.au\/en\/wp-json\/wp\/v2\/posts\/2985\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.broadenlegal.com.au\/en\/wp-json\/wp\/v2\/media\/98"}],"wp:attachment":[{"href":"https:\/\/www.broadenlegal.com.au\/en\/wp-json\/wp\/v2\/media?parent=2985"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.broadenlegal.com.au\/en\/wp-json\/wp\/v2\/categories?post=2985"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.broadenlegal.com.au\/en\/wp-json\/wp\/v2\/tags?post=2985"},{"taxonomy":"lawyer","embeddable":true,"href":"https:\/\/www.broadenlegal.com.au\/en\/wp-json\/wp\/v2\/lawyer?post=2985"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}