Debt Recovery Defence for Individuals and Businesses

Law Tram’s Debt and Bankruptcy Consultation simplifies the process by connecting you with licensed Australian lawyers who can offer tailored legal advice specific to your situation. This free, fully online, and obligation-free service ensures you receive expert guidance every step of the way.

Been Sued Over a Debt? You May Have a Defence

If you’ve received a Statement of Claim, Letter of Demand, or are being taken to court over an unpaid debt, it’s important to know your rights. You may be able to dispute the claim, negotiate a settlement, or stop judgment being entered against you, but remember that time is limited.

Whether the debt is personal or related to your business, the creditor must follow correct legal procedures. In some cases, the debt may be legally unenforceable, miscalculated, or already settled. Acting early is your best chance to avoid court orders, wage garnishment, or enforcement actions.

Law Tram connects you with lawyers who can review your situation and help defend or resolve the claim before it escalates.

Lawyer assisting with personal and business insolvency issues

Law Tram's Legal Partners can assist with debt defence matters, including:

Why Choose Law Tram

Bankruptcy and insolvency legal advice in Australia

How It Works

Confidential and Secure Questionnaire

Start by completing our secure online questionnaire. This step allows you to provide essential details about your debt situation and any court documents you’ve received.

Confidential Legal Summary

Law Tram’s advanced technology generates a confidential legal summary of your situation while keeping your personal or business details private.

Review by Licensed Australian Lawyers

Your confidential legal summary is shared with our network of vetted lawyers who review your case to determine how they can assist.

Connect with a Lawyer

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.

No Obligation

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.

What Others Are Saying

Law Tram User

I was sued over an old credit card debt. The lawyer checked the details and found it was too old to enforce.

Law Tram User

A company tried to make me personally liable for a business debt. Law Tram helped me defend it and avoid court judgment.

Law Tram User

I ignored the letter at first, but the lawyer helped me respond before it went any further. I’m glad I acted in time.

Legal Information Only – Not a Substitute for Advice

This page provides general legal information only. It is not legal advice and should not be relied on as such. If you have been contacted by a debt collector or served with court documents, seek advice from an Australian Legal Practitioner without delay.
Guidance on managing debt, bankruptcy options and restructuring

Take the First Step Toward Resolution

Law Tram’s Debt and Bankruptcy Consultation offers a secure, efficient and supportive way to connect with expert legal help. Whether you’re facing legal action over a debt or just unsure how to respond, 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.

Take the first step toward resolving your debt matter with clarity and peace of mind.

Frequently Asked Questions

Get legal advice immediately. You usually have 28 days to respond. If you ignore it, the creditor can get a default judgment against you.
Yes. If you believe the amount is wrong, the debt was already paid, or you were not properly notified, you may have a valid defence.
The creditor can get a court judgment against you. This can lead to enforcement actions like wage garnishment, seizure of property or credit damage.
That’s often possible. A lawyer can help you negotiate terms that are realistic and avoid court outcomes where possible.
Yes. Whether you’re a sole trader, director or a business entity, you may have legal options to defend or resolve a debt claim.
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Are you owed money? Struggling with debt or facing bankruptcy? Law Tram connects you with lawyers who explain your legal position and help explore practical, lawful ways forward.

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General Assistance

Not sure where your legal issue fits? Share your matter securely and we’ll match you with a lawyer who can help or point you in the right direction.