When Things go Wrong

When Things go Wrong

Things in life do not always go according to plan. It is important to be aware that unexpected events can occur (eg. divorce, loss of job, illness, etc). Putting money aside for a "rainy day" may be one way to be prepared for those circumstances, but should you find yourself in a difficult situation, the following pages will provide you with helpful information and contacts.

It really is important to seek help as soon as you realise that you are slipping into financial difficulty.


It is important to understand what bankruptcy is, and the alternatives to it.

Individual Voluntary Arrangement

An IVA is a legal arrangement agreed between the debtor and his creditors to repay part of the debts over a specified period of time.


The purpose of insurance is to protect you from the financial consequences of loss or damage of some sort.

Separation and Divorce

Financial problems can often arise because of separation or divorce.


As well as advice to help through the difficult times, there are government benefits available for those who have recently lost a spouse.

Identity Theft

Identity theft occurs when someone uses your personal information without your permission and uses that information to commit fraud or other crimes.

Identity Theft

Things in life do not always go to plan. This guide provides advice on where to look for assistance if things go wrong.