Opinion Phrases and Expressing Views
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Natasha Ramsay (Financial Counsellor)
Stephen Grace (Managing Lawyer)
Acknowledgement of Country
We acknowledge the traditional owners of the land and waters throughout
Australia and pay our respect to Elders past, present and emerging.
We benefit from the gifts of First Nations peoples, acknowledge the historical and
ongoing injustices they bear and support their call for power over their destiny.
LawRight understands the importance of your privacy and is committed to protecting the privacy of your
LawRight’s Community and Health Justice
Partnerships
•
LawRight is a not-for-profit,
community-based legal
organisation that coordinates the
provision of pro bono legal services
for individuals and community
groups.
•
LawRight leads partnerships at 14
locations, where we collaborate
with health and community
workers to resolve the complex,
intersecting problems of clients.
Today’s session
•
Today’s session will cover:
•
the types of issues we commonly see;
•
practical considerations when enquiring
about a person’s financial circumstances
and the issues that cause financial stress;
•
practical options to increase a person’s
limited income or access to services; and
•
practical options to reduce a person’s
outgoings, including debt resolution.
•
We will also provide practical tips for
assisting someone with a debt matter.
•
An increase in the cost of living is
placing our clients under increased
financial pressure.
•
Many people seek assistance with:
•
An inability to meet basic living
costs on a limited income;
•
Debts to utility providers or Telcos;
•
Historic debts, sometimes from
many years ago;
•
Tenancy related debts;
•
Payday loans and consumer leases;
•
Concerns about their income,
Centrelink Benefit or
superannuation; and
•
Late payments on car loans or other
credit agreements.
•
Some people will present with one
issue but many will have multiple.
Common experiences
Stop the Debt Trap Infographic
consumeraction.org.au/stopthedebttrap
•
How to create a budget or prepare a Statement of Financial Position?
•
Assisting a person to plan a financial journey.
•
Talking with people about personal and financial matters.
•
What type of information is important and what types of things we
don’t need?
Understanding a person’s financial circumstances
Increasing limited income
•
Connecting with community and support agencies.
•
Home Energy and Emergency Assistance Scheme.
•
No or low interest loan schemes.
•
Effectively using Centrelink and other access services.
•
Reducing debt through:
•
Holds on accounts or affordable
payment plans;
•
Hardship variations;
•
Waiver requests and refunds; and
•
Other legal remedies.
Reducing outgoings and negotiating debt
Contacts
Managing Lawyer:
Stephen Grace
Email:
stephen.grace@lawright.org.au
Financial Counsellor: Natasha Ramsay
Email:
Natasha.Ramsay@lawright.org.au
Lawyer:
Fleur Hopkins
Email:
fleur.hopkins@lawright.org.au
Lawyer:
Kate Adnams
Email:
kate.adnams
@lawright.org.au
Lawyer:
Kirra Uren
Email:
kirra.uren@lawright.org.au
Project Officer:
Kurt Maroske
Email:
kurt.maroske
@lawright.org.au
Administrators:
Jean Brady & Zoe Rienecker
Email:
admin2@lawright.org.au
The client stories and photos used in this presentation are real, and we thank LawRight volunteers and clients for their willingness to have
their photos published. The stories are in no way connected to the photos, and do not relate to any person depicted.
The Community and Health Justice Partnerships team
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www.lawright.org.au
PO Box 12217, George Street QLD 4003
Thank you!
10
Various opinion phrases used to express personal and general points of view on different topics. Learn how to agree or disagree with an opinion effectively.
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Presentation Transcript
Show me the Money: Assisting people to resolve disputes that impact their income and finances Community and Health Justice Partnerships Natasha Ramsay (Financial Counsellor) Stephen Grace (Managing Lawyer)
LawRight understands the importance of your privacy and is committed to protecting the privacy of your Acknowledgement of Country We acknowledge the traditional owners of the land and waters throughout Australia and pay our respect to Elders past, present and emerging. We benefit from the gifts of First Nations peoples, acknowledge the historical and ongoing injustices they bear and support their call for power over their destiny.
LawRights Community and Health Justice Partnerships LawRight is a not-for-profit, community-based legal organisation that coordinates the provision of pro bono legal services for individuals and community groups. LawRight leads partnerships at 14 locations, where we collaborate with health and community workers to resolve the complex, intersecting problems of clients.
Todays session Today s session will cover: the types of issues we commonly see; practical considerations when enquiring about a person s financial circumstances and the issues that cause financial stress; practical options to increase a person s limited income or access to services; and practical options to reduce a person s outgoings, including debt resolution. We will also provide practical tips for assisting someone with a debt matter.
Common experiences An increase in the cost of living is placing our clients under increased financial pressure. Many people seek assistance with: An inability to meet basic living costs on a limited income; Debts to utility providers or Telcos; Historic debts, sometimes from many years ago; Tenancy related debts; Payday loans and consumer leases; Concerns about their income, Centrelink Benefit or superannuation; and Late payments on car loans or other credit agreements. Some people will present with one issue but many will have multiple. Stop the Debt Trap Infographic consumeraction.org.au/stopthedebttrap
Understanding a persons financial circumstances How to create a budget or prepare a Statement of Financial Position? Assisting a person to plan a financial journey. Talking with people about personal and financial matters. What type of information is important and what types of things we don t need?
Increasing limited income Connecting with community and support agencies. Home Energy and Emergency Assistance Scheme. No or low interest loan schemes. Effectively using Centrelink and other access services.
Reducing outgoings and negotiating debt Reducing debt through: Holds on accounts or affordable payment plans; Hardship variations; Waiver requests and refunds; and Other legal remedies.
Contacts Managing Lawyer: Stephen Grace Email: stephen.grace@lawright.org.au Financial Counsellor: Natasha Ramsay Email: Natasha.Ramsay@lawright.org.au Lawyer: Fleur Hopkins Email: fleur.hopkins@lawright.org.au Lawyer: Kate Adnams Email: kate.adnams@lawright.org.au Lawyer: Kirra Uren Email: kirra.uren@lawright.org.au The Community and Health Justice Partnerships team Community and Health Justice Partnerships www.lawright.org.au PO Box 12217, George Street QLD 4003 Project Officer: Kurt Maroske Email: kurt.maroske@lawright.org.au Administrators: Jean Brady & Zoe Rienecker Email: admin2@lawright.org.au The client stories and photos used in this presentation are real, and we thank LawRight volunteers and clients for their willingness to have their photos published. The stories are in no way connected to the photos, and do not relate to any person depicted.
10 Thank you!
