Debt Agreements and Personal Insolvency Agreements (PIAs) are formal options available under Australian bankruptcy law that allow you to settle debts without being declared bankrupt. They can provide relief if you are struggling with repayments, but they also come with serious long-term impacts.
You may face restrictions on credit, your name may be listed on the National Personal Insolvency Index (NPII), and your ability to manage a business or access finance could be affected. These agreements should not be entered into lightly.
Law Tram connects you with lawyers who can help you understand whether a debt agreement or PIA is the right solution for your circumstances and whether better alternatives are available.
Start by completing our secure online questionnaire. This step allows you to provide essential details about your financial situation, debt levels and any agreements already in place.
Law Tram’s advanced technology generates a confidential legal summary of your situation while keeping your personal and financial details private.
Your confidential legal summary is shared with our network of vetted lawyers who review your case to determine how they can assist.
If a lawyer believes they can help, they will initiate a chat with you through the Law Tram platform. Your contact details remain private unless you choose to share them.
You are under no pressure to retain any lawyer unless you are confident in their ability to assist. Law Tram empowers you to make informed decisions.
Law Tram’s Debt and Bankruptcy Consultation offers a secure, efficient and supportive way to connect with expert legal help. Whether you’re thinking about a debt agreement or unsure if a PIA is right for you, our platform helps you access tailored advice from qualified lawyers.
Start your free, confidential consultation today. Please note that Law Tram does not assist in finding legal aid lawyers. If you are seeking legal aid, visit our dedicated legal aid page for more information.
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