Australia's National
Prison Newspaper

Australia's National
Prison Newspaper

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About Time is the national newspaper for Australian prisons and detention facilities

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ISSUE NO. 6

December 2024

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Legal Corner

Struggling With Debt? Financial Counselling Might Help!

Better Place

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Financial counselling is a free and confidential service offered by not-for-profit community organisations. They often provide services within prisons – ask if financial counsellors are available at your location. You may also be able to access a financial counsellor by phone, either arranged via your caseworker or with the contact details below.

Financial counsellors are skilled professionals who provide advice and support to people struggling with bills and debt. A free financial counsellor can help you explore your options, negotiate with your creditors, put plans in place to manage your debts and get your finances back under control.

Financial counsellors have specific knowledge about the credit, bankruptcy and debt collection laws, social security framework, grants and concessions available to help with cost of living, industry hardship obligations and how to access free dispute resolution through independent dispute resolution schemes. They are also trained in negotiation and counselling.

Financial counsellors CAN assist you by:

  • doing a full assessment of your financial situation – including regular income and expenditure, assets and liabilities
  • understanding which debts are priorities
  • developing a workable budget and money plan with you
  • explaining your rights and the pros and cons of different options you have to manage your debts and financial hardship
  • advocating and negotiating on your behalf directly with your creditors
  • lodging complaints on your behalf to external dispute resolution schemes
  • providing advice about what options, rights and responsibilities you may have
  • referring you to other services you may need, such as legal services, health services and crisis food and accommodation services

Financial counselling is a free and confidential service offered by not-for-profit community organisations. They often provide services within prisons – ask if financial counsellors are available at your location. You may also be able to access a financial counsellor by phone, either arranged via your caseworker or with the contact details below.

Financial counsellors are skilled professionals who provide advice and support to people struggling with bills and debt. A free financial counsellor can help you explore your options, negotiate with your creditors, put plans in place to manage your debts and get your finances back under control.

Financial counsellors have specific knowledge about the credit, bankruptcy and debt collection laws, social security framework, grants and concessions available to help with cost of living, industry hardship obligations and how to access free dispute resolution through independent dispute resolution schemes. They are also trained in negotiation and counselling.

Financial counsellors CAN assist you by:

  • doing a full assessment of your financial situation – including regular income and expenditure, assets and liabilities
  • understanding which debts are priorities
  • developing a workable budget and money plan with you
  • explaining your rights and the pros and cons of different options you have to manage your debts and financial hardship
  • advocating and negotiating on your behalf directly with your creditors
  • lodging complaints on your behalf to external dispute resolution schemes
  • providing advice about what options, rights and responsibilities you may have
  • referring you to other services you may need, such as legal services, health services and crisis food and accommodation services

Legal Q&A

Do you have a general legal query that you want answered?
Is  there an area of law that you think people inside should know more about? Submit your question in the provided form, and we might publish an answer in the paper.

Submit Your Question

Financial counsellors CAN also provide information and advice about:

  • credit and debt related matters
  • the rights and obligations of creditors
  • how the debt collection and debt enforcement process works
  • the pros and cons of bankruptcy and other insolvency options
  • how to access other specialist support services, including gambling, family support, personal counselling, legal aid and emergency relief

Financial counsellors DON’T:

  • charge any set up fees and/or ongoing fees for their service
  • receive any payments or commissions from third parties for their services
  • lend money
  • complete tax returns
  • provide debt consolidation services
  • provide investment advice (that’s the role of financial planners)

National Debt Helpline – 1800 007 007

The free National Debt Helpline is open from 9:30am to 4:30pm, Monday to Friday.

When you call, you'll be transferred to the service in your state.

Mob Strong Debt Helpline – 1800 808 488

Mob Strong Debt Helpline is a free legal advice service about money matters for Aboriginal and Torres Strait Islander peoples from anywhere in Australia.

The helpline is open from 9:30am to 4:30pm, Monday to Friday.

Small Business Debt Helpline – 1800 413 828

If your business is in financial difficulty, call the Small Business Debt Helpline. The Helpline is open 9:00am to 5:30pm, Monday to Friday.

Financial counsellors CAN also provide information and advice about:

  • credit and debt related matters
  • the rights and obligations of creditors
  • how the debt collection and debt enforcement process works
  • the pros and cons of bankruptcy and other insolvency options
  • how to access other specialist support services, including gambling, family support, personal counselling, legal aid and emergency relief

Financial counsellors DON’T:

  • charge any set up fees and/or ongoing fees for their service
  • receive any payments or commissions from third parties for their services
  • lend money
  • complete tax returns
  • provide debt consolidation services
  • provide investment advice (that’s the role of financial planners)

National Debt Helpline – 1800 007 007

The free National Debt Helpline is open from 9:30am to 4:30pm, Monday to Friday.

When you call, you'll be transferred to the service in your state.

Mob Strong Debt Helpline – 1800 808 488

Mob Strong Debt Helpline is a free legal advice service about money matters for Aboriginal and Torres Strait Islander peoples from anywhere in Australia.

The helpline is open from 9:30am to 4:30pm, Monday to Friday.

Small Business Debt Helpline – 1800 413 828

If your business is in financial difficulty, call the Small Business Debt Helpline. The Helpline is open 9:00am to 5:30pm, Monday to Friday.

Parole Conditions in Queensland

Parole Conditions in Queensland

Parole Conditions in Queensland

By Prisoners' Legal Service
By Prisoners' Legal Service

All parole orders must have conditions setting out what you are required to do and what you must not do while on parole.  

Legal Corner

ISSUE NO. 10

3 MIN READ

Legal Q&A

Legal Q&A

Legal Q&A

By Brian
By Brian

My name is Brian. A lot of guys here are talking about new legislation coming in the near future, but I haven’t found it anywhere. It is called “Daniel’s Law”. I was wondering if you could explain it and when it will take effect and who it will apply to?

Legal Corner

ISSUE NO. 11

3 MIN READ

Solitary Confinement as a Sentencing Factor

Solitary Confinement as a Sentencing Factor

Solitary Confinement as a Sentencing Factor

By Prisoners Legal Service
By Prisoners Legal Service

If a prisoner is detained in solitary confinement, the conditions they face in custody are significantly more challenging compared to the general prison population. In some cases, this may be taken into account by a sentencing court and result in a shorter sentence being imposed.

Legal Corner

ISSUE NO. 13

2 MIN READ

Welcome to the Legal Corner

Welcome to the Legal Corner

Welcome to the Legal Corner

By About Time
By About Time

Through these articles, we provide information on relevant areas of law. This first article provides basic information to make it easier for family and friends to support you. There are differences in the ways the systems operate depending on where you’re located (VIC, NSW, ACT or TAS), so we hope this is useful and relevant to where you are.

Legal Corner

ISSUE NO. 1

7 MIN READ

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How to Prepare for Your Defence

This is from a booklet of legal information from an anonymous prisoner.

The criminal justice system deals with proof, not truth. The police and Crown present allegations; the defence rebuts them; the jury decides whether the Crown has met the required standard of proof. “Truth” and “innocence” are not part of the legal equation.

Legal Corner

ISSUE NO. 18

4 MIN READ

Explainer of Prison Offence Laws

By About Time

There are major differences between how offences in prisons are dealt with around Australia. These offences typically range from minor ones, such as keeping an untidy cell, to more serious ones and others that can become criminal charges.

Legal Corner

ISSUE NO. 17

3 MIN READ

FAQs: Security Classifications in Queensland

By Prisoners’ Legal Service

Your security classification impacts which prison you are placed in and the level of security that is imposed on you.

Legal Corner

ISSUE NO. 16

2 MIN READ

Whistleblowing Laws: Protecting Those Who Speak Out

By Human Rights Law Centre lawyers Madeleine Howle and Kieran Pender

Wrongdoing thrives in the darkness. Too often, it is only because of brave people who speak out that the public learns what is happening in the shadows.

Legal Corner

ISSUE NO. 16

3 MIN READ

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