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Debt · Bankruptcy

Bankruptcy & serious debt

Overwhelming debt is frightening, but you have more options than you might think — and bankruptcy is only one of them. We explain your choices calmly and help you take back control.

Part of our Litigation & disputes practice.

How we help

What we help with

The process

How it works

Understand your position

We look at what you owe, to whom, and what you own — and explain what each path really means.

Consider the alternatives

Bankruptcy isn't always the answer. Debt agreements, negotiation and other options may suit you better.

Protect what matters

Whatever the path, we help you understand what you keep, how long it lasts, and how to move forward.

Good to know

Common questions

Will I lose everything if I go bankrupt?

No. Certain assets are protected and there are limits. We explain exactly what's affected in your situation before you decide anything.

How long does bankruptcy last?

Bankruptcy usually lasts three years and a day, though some effects last longer. We'll explain the full picture.

Are there alternatives?

Yes — debt agreements, personal insolvency agreements, informal arrangements and negotiation. Bankruptcy should be an informed choice, not a default.

A creditor is threatening bankruptcy — what do I do?

Don't ignore a bankruptcy notice or creditor's petition — strict deadlines apply. Talk to us straight away.

Related

Talk to a lawyer

Book a consultation or take the free claim check — we'll tell you where you stand and what to do next.

⚡ FREE 2-MINUTE CALL BACK

We'll call you back in about 2 minutes

Leave your name and number — we call you straight back, usually within 2 minutes (8am–8pm), to understand your situation and book you in with the right lawyer. No cost, no obligation. Outside those hours we'll text you and call first thing.

Prefer to visit?

Our Reservoir office

We meet clients online right across Victoria — or in person at 911 High Street, Reservoir VIC 3073.

Get directions →☎ 0485 055 567