FAQs about Penalties for Violations
See the Frequently Asked Questions section below if you were given a fine by a court.
- What should I do if I am the owner of the vehicle but I wasn't driving at the time that the fine was issued?
You have a responsibility to tell us who was behind the wheel. This process is referred to as "nominating the driver." You should make your nomination as soon as possible; for some fines, you need to make your nomination within 28 days in order to avoid having your license revoked.
When you make a nomination, the ticket will be re-issued in the driver's name with a new deadline attached to it. When you fill out the nomination form, in addition to asking for your own information, we will ask for the driver's information as well. We will also ask for your information. For further information, please refer to the Nominate the Responsible Driver page.
- I don't believe that this fine is reasonable; what other choices do I have?
You are able to submit a request for a review of your case if you are of the opinion that there is a good reason why you should not be required to pay the fine. Only reviews that comply with certain grounds can be submitted in accordance with the law. In the event that you satisfy the requirements, the evaluation of your application might take some time, and you will get a reply in the mail.
You also have the option of taking legal action regarding your fine, provided that it has not yet reached the stage of a Notice of Final Demand.
- What other options do I have if I am unable to pay this fine at this time?
You have the option of requesting to pay your fine in installments, which may include having a portion of your Centrelink benefits deducted. You also have the option of requesting additional time to pay. You can apply for a payment arrangement using your new fine's details, and combine all of your fines into one payment at the same time if you already make payments toward other fines using installments - see below.
You may be able to apply for our work and development permit and get a reduction in your outstanding fine debt if you participate in certain activities and treatment while being supervised by an accredited sponsor. If you do this, you will be eligible.
Keep in mind that you are required to take action in response to a fine that has been issued to you. If you do nothing, the amount of the fine will continue to increase, and there is a possibility that an enforcement warrant will be issued. Once an Enforcement Warrant has been issued, a sheriff's officer has the authority to search for and seize property or your vehicle for the purpose of selling it, to wheel clamp or detain your vehicle, or to arrest you in order to bring you before a magistrate.
- My driving record is spotless, and I don't get tickets very often; is there anything else I can do to improve it?
It is within the discretion of the Victoria Police to withdraw a traffic infringement and issue an official warning in its place if the driver in question has an excellent driving record. There are some prerequisites and conditions to meet.
Visit the website of the Victoria Police Department for further information, including instructions on how to apply.
- What should I do if the authorities have suspended either my driver's license or my vehicle registration?
Your driver's license and/or your vehicle registration could be suspended if you have unpaid fines, according to the Director of Fines Victoria, who has given that instruction to VicRoads.
You won't be able to get the suspension lifted until you take care of the fine (or fines). Your options include:
Contact Fines Victoria if you require assistance in deciding between your available choices.
- What should I do if I have been sent a letter informing me that the suspension of my driver's license and/or vehicle registration is pending?
You should be aware that the Director of Fines Victoria has sent you this letter because you have fines that are overdue.
You have no choice but to take prompt action to deal with your fines in order to prevent the suspension of either your driver's license or your vehicle registration.
Contact Fines Victoria if you require assistance in deciding between your available choices.
- What am I supposed to do now that I've misplaced my payment?
You can log in using the information from any other outstanding fines associated with your name by going to "Your fines" and using the details listed there. You should be able to see your outstanding fine listed there in addition to any other fines you have. When you locate it, make a note of the obligation number and the date of the offense on the fine, as you will need these in order to handle the fine.
You can get in touch with us if you don't have any other fines or if you can't locate the one that you lost. We will first identify you by asking you some questions, and then we will assist you in dealing with the fine.
- I need assistance to handle this fine; please let me know what support is available.
Those who are qualified may apply for one of the available programs, including Special Circumstances, Work and Development Permit, or Prison Program.
The Family Violence Scheme of Fines Victoria assists victim survivors with their fines if there is a connection between the family violence and the fines they have accrued.
Additional support may also be available if you are in need of legal or financial assistance, and information that has been translated into 15 different languages is accessible regarding the monetary sanctions system.
- I currently have a payment arrangement, but I've just been given a new fine; how can I include this new fine in the payment arrangement that I already have?
Fill out and send in the application for the pay by instalment form, making sure to use the information for your new fine to log in and apply.
During the process of filling out the form, the form will display your other fines that are associated with your current payment arrangement. You should not remove these fines from the existing arrangement and should not exclude them from this new application.
After that, we will put an end to the previous method of payment and establish a new method of payment that will cover not only the most recent fine but also any prior violations. Postal confirmation of the updated information will be sent to you shortly.
- Why did a traffic ticket for more than $3,000 get issued to the vehicle that I use for my business?
For certain violations, company vehicles can receive a body corporate infringement notice, which is a fine significantly higher than the one that would be given to an individual. This increased amount is intended to encourage businesses to identify the responsible driver in order to have demerit points applied to that individual's license.
Because companies do not possess driver licenses to which demerit points can be assigned, an authorized officer of the company is required to nominate the person who was driving in order for the company to receive demerit points.
If the nomination is accepted, the driver in question will be issued a new fine in their name, the demerit points will be added to their driving record, and the amount of money that must be paid will be determined according to the individual rate, which should be significantly less.
You need to choose the driver as soon as possible. Once the fine reaches the stage of Notice of Final Demand, it is too late to nominate the driver, and as a result, the company will be liable for the fine. Companies that fail to nominate a driver for their vehicle three or more times within a period of one year are subject to a fine of more than $20,000.
Please refer to the nominations for any additional information.
- I was sent a Notice of Final Demand; however, the earlier Infringement Notice and Penalty Reminder Notice that were supposed to be sent to me were never received.
If you have a driver's license or permit in your name, or if you have a vehicle registered in your name, you are required by law to notify VicRoads of any changes to your residential address within seven days of moving. If you did not do this, the notice of the fine will be sent to the previous address you provided. Even if you no longer reside at the address where your vehicle is registered, any fines that are mailed to that location will be considered to have been served in accordance with the law.
You are eligible to submit an application to the Magistrates' Court for an Infringement Extension if the violation that resulted in your fine was detected by a camera or a toll booth and you were not aware of the fine because you did not receive the earlier notices. You have 14 days from the time you found out about the fine to submit an application. If requested, an extension can buy you some additional time to make arrangements to pay a fine.
If your registered VicRoads address is correct but you still did not receive the earlier notices, you may also be able to request a review and ask us to waive the additional fees that were added to your fine. This option is only available if you did not receive the notices in the first instance.
It is currently too late to nominate the person who was driving the vehicle when the fine was issued if your fine has progressed to a Notice of Final Demand and you were not operating the vehicle when the fine was issued.
- My fine was handed to me on the spot by an officer, but there is no obligation number on it. What are my options for making payment on the fine?
Call the Fines Victoria customer service line at the number 03 9200 8111 if you need an obligation number in order to pay your fine using a method that is not displayed on the fine, such as BPay. Please allow us two full business days after entering the fine into our system before requesting the obligation number; at that time, we should be able to provide it to you.
- I recently sold my car, but I was still given a ticket for it. What am I supposed to do?
If you as the seller receive traffic citations for your previous vehicle in your name, you will be required to submit a Nomination stating that you are no longer the owner of the vehicle. In this nomination, you will indicate that the vehicle has been transferred to the buyer. You will be required to include information about the buyer as well as evidence that you successfully transferred the registration to the buyer.
If you have recently sold your vehicle, the buyer as well as you will need to provide VicRoads with certain information in order for the registration to be successfully transferred. If the registration is not transferred, you run the risk of being held responsible for any moving violations committed by the buyer.
VicRoads is a good resource for those looking for additional information regarding the transfer of registration.
- What should I do if my vehicle was stolen, or if the license plates on my vehicle were stolen or copied at the time that the fine was issued?
Please fill out the nomination form in its entirety, select the checkbox indicating who was operating the vehicle, and then provide an explanation of what transpired.
Additionally, you are required to upload a copy of the applicable form for the transfer of ownership as well as the police report.
- What should I do about the fine that I received because I sold my vehicle in another state?
If you, as the seller, receive traffic citations for your previous vehicle while the vehicle is still registered in your name, you will be required to submit a nomination stating that you were not driving the vehicle and that you no longer own it. You will be required to include information about the buyer as well as evidence that you successfully transferred the registration to the buyer.
In the event that you sold your car in another state after having it registered in Victoria, you are required to inform VicRoads of the change in ownership of the vehicle. See "Transfer a vehicle to/from interstate" on the VicRoads website for more information and to download a transfer form.
- I was not behind the wheel at the time of the infraction, but it is too late to nominate anyone at this point. Is there anything else I can do?
If you need to nominate the responsible driver for your fine, you must do so as soon as possible. If you fail to do so, you will be held responsible for the fine, and demerit points may be added to your licence.
It is too late to nominate someone once the fine has reached the Notice of Final Demand stage, with very few exceptions. Learn more by checking out the nomination page for the responsible driver.
- I have already paid the ticket, but I wasn't the one driving, and I was supposed to name the responsible driver. What other options do I have?
If you intend to name another person as the responsible driver, you should not pay the fines. This information is included on each and every notice of infringement. After you have made the nomination, a fresh demand for payment will be sent to the driver who was nominated.
If you have already paid the fine, but you still need to nominate it, you can either download the Infringement Nomination form (for fines with a Victoria Police logo) or the Nomination form (for fines with a Transport Safety Victoria logo) from the website and fill it out.
- Why did Fines Victoria send me a fine for failing to vote when I already did my civic duty?
A Notice of Final Demand will be issued by Fines Victoria if you did not vote in the local government elections in 2020 and you did not settle your fine with the Victorian Electoral Commission (VEC).
What procedures were followed in order to let me know about my fine?
Following the fact that you did not cast a ballot, the VEC would have mailed you an Apparent Failure to Vote Notice in order to provide you with the opportunity to justify your decision.
After this notice was sent out, in the event that you:
- either we did not receive a response to the Apparent Failure to Vote Notice from you, or we did not.
- Your justification for not voting was not accepted because it was not valid or adequate.
You would then have been served with an Infringement Notice in that case.
A Penalty Reminder Notice was sent to you in the event that you did not pay the Infringement Notice that was issued to you.
If you did not pay the fine after that, it was turned over to Fines Victoria to be collected. You have been served with a Notice of Final Demand at this time.
What different choices do I have?
You have the following options available to you if you have received a Notice of Final Demand:
Please refer to the Notice of Final Demand for further information.
Can I avoid dealing with Fines Victoria altogether by dealing directly with the VEC?
No, the VEC is unable to take into consideration requests for payment plans, payment extensions, or reviews once a matter has been registered with Fines Victoria.
Please visit the Victorian Electoral Commission if you require any further information regarding the fines that were issued for this election.
- When will my monetary penalty be lifted?
No Once a fine has been registered with Fines Victoria, it does not become invalid and can be enforced at any point in time.
- Even though the person in question does not reside at this location, I continue to receive fines at this address.
If you have been issued a fine but no one else at your address is responsible for the infraction, you are not required to pay the fine, and you will not be held liable for it in any way. The individual whose name appears on the monetary penalty is the one who is responsible.
You can return the fine to the original sender by putting 'Return to Sender' on the envelope. If Fines Victoria is able to confirm an up-to-date address, the appropriate changes will be made to the records.
When moving to a new residence, motorists are required by law to notify VicRoads of the change in their address within fourteen days.
- Where can I find information on fines that were issued to a person who has since passed away?
Only the person who is listed on the death certificate as the deceased person's next of kin or the executor of the deceased person's estate is eligible to receive information regarding the deceased person's violations.
We encourage the next of kin or the executor of the estate to get in touch with us so that they can obtain information on any fines that are still outstanding with Fines Victoria.
- What should I do if a person has been given a fine for an offense that took place either before or after they passed away?
Along with the specifics of the fine(s), we would appreciate it if you could send us a copy of the death certificate (or the coroner's report, if one is available).
You can send us a letter with as much information as you have, even if you do not have a death certificate or a report from the coroner.
Make use of our Online Enquiry form; under "Submit an enquiry about," select the appropriate option. ", after which you should choose "The person named on the notice has passed away."
Post your submissions.
Fines, GPO Box 1916, Victoria (Canada)
MELBOURNE VIC 3001
When we have obtained either the death certificate or the coroner's report, we will initiate an investigation into the fines that the deceased person owed to Fines Victoria.
Any fines that were issued to a person who has passed away will be cancelled if the date of the offense (or offenses) occurred on or before the date of their death.
If the date of the offense(s) occurred after the date of death, the next of kin or the executor of the estate is responsible for filling out a nomination statement.What steps do I need to take if I want to nominate a fine that was issued to someone who has since passed away?
It is necessary to fill out a nomination statement in order to nominate the individual who was operating the motor vehicle at the time of the infraction. The next of kin or the executor of the estate is the one who is responsible for filling out the nomination statement.
Along with the nomination statement, you need to provide a certified copy of your authority to represent the deceased person. This could be in the form of a death certificate that names you as the deceased person's next of kin, or it could be evidence that you are the executor of the deceased person's estate.
- If you have an Infringement Notice or a Penalty Reminder Notice that bears the logo of the Victoria Police, you can download the Nomination Statement and complete it by following the steps provided.
- Download the TSV Nomination Statement, follow the steps to fill it out, and submit it if you have an Infringement Notice or Penalty Reminder Notice that bears a logo for Transport Safety Victoria.
You have the option of using our Online Enquiry form or sending the nomination statement and supporting documents to the following address via post:
Fines, GPO Box 1916, Victoria (Canada)
MELBOURNE VIC 3001
You are strongly encouraged to get in touch with VicRoads as soon as humanly possible in order to bring the registration records for your vehicle up to date.
On the Cameras Save Lives website maintained by the Victorian Government, you will be able to obtain a copy of the camera test certificate for fixed cameras.
The following types of cameras make up Victoria's road safety camera system:
On the Cameras Save Lives website, you will find additional information regarding these cameras.
In accordance with the Road Safety (General) Regulations 2019, an independent testing officer conducts annual inspections of all fixed digital, mobile, and point-to-point road safety cameras located within the state of Victoria.
On the Cameras Save Lives website, you can find out more information about the trials being conducted with cameras.
There are two main types of fixed traffic safety cameras: those that only monitor red light violations and those that also monitor speed.
At an intersection, in-road sensors are used to determine whether or not a vehicle has violated the stop line despite the presence of a red traffic light. This causes the camera to take a picture at that precise moment.
The camera is designed to take two images of the violating vehicle, which, when combined, serve as evidence that the vehicle is:
- after the light had already turned red, they entered the intersection, and
- proceeded through the intersection despite the fact that the light was red.
Additionally, the camera records the amount of time that elapsed between the turning of a traffic light to red and the arrival of the vehicle at the intersection.
You will not be issued a ticket if the light turns red while you are already in the intersection because the camera is only activated when a vehicle drives over the stop line after the light has turned red.
On the Cameras Save Lives website, you can find additional information.
Before a ticket for speeding is issued, a careful investigation into each infraction is performed.
Fixed road safety cameras are able to monitor multiple lanes of traffic thanks to radar technology and sensors that are embedded into the road surface.
In addition, offenses are examined by two qualified officers who are independent of one another. Both of these officers need to concur that an offense was committed before the matter can move forward. The monetary penalty is not issued until Victoria Police has conducted an investigation, analyzed the situation, and determined that an offense has been committed.
On the Cameras Save Lives website, there is additional information regarding the speed verification process that you can read.
The point-to-point (the calculated average speed) and instantaneous speed (the speed as detected at the location of a camera) speed limits are strictly enforced by the camera systems on both the Hume Freeway and the Peninsula Link.
If the photo of your traffic violation contains more than one time stamp, it is likely that you were ticketed because the average speed you reached between two cameras on the freeway was greater than the maximum permissible speed.
On the Hume Freeway and the Peninsula Link, point-to-point cameras take time-stamped digital photographs of every vehicle and then calculate the amount of time it takes for the vehicle to travel from one camera site to the next. This allows the cameras to determine the vehicle's speed. Calculating the average speed involves dividing the total distance traveled by the total amount of time. If the driver's typical speed is higher than the permitted maximum, they will be given a citation.
Licensed surveyor's survey certificates are used to obtain an accurate measurement of the distance between two locations housing road safety camera systems. On the Cameras Save Lives website run by the Victorian Government, you will be able to download a copy of the survey certificates.
If the photographs of the alleged offenses were taken less than one second apart, they are allowed to have the same time stamps. This pertains to red light camera violations.
The first photograph is taken in this instance when a vehicle enters an intersection after the light has changed to red. The second one is performed when a vehicle reaches a particular point in the intersection that has been designated for it. It is possible for two photographs to have the same time stamp on them if the second photograph was taken less than one second after the first one was taken.
It is more likely that vehicles that are traveling at a faster speed through a red light will have the same time stamps on the fine photo.
Do not become anxious if you see the flash of a road safety camera and you are certain that you were not going over the speed limit or driving against a red light or a red arrow.
The flash on the camera may have been activated for one of the following reasons:
- It's possible that they're still testing it out.
- It's possible that it was catching someone breaking the law in the other lane.
You can get additional information by visiting the Cameras Save Lives website.
If you would like to make a location suggestion for a fixed road safety camera, you can do so by submitting an online form labeled "Suggest a Camera Location" to the "Fixed Camera Site Selection Committee" (also referred to simply as the "Committee").
The Victoria Police serve as the committee's chair, and it also includes representatives from the Department of Transport as well as the Department of Justice and Community Safety.
When looking at requests for cameras, the Committee also considers whether or not there are other road safety measures that might be more appropriate. These are the following:
- mobile camera enforcement
- increased police presence, particularly through the use of the Highway Patrol
- supplementary signs at the location
- Works on the roads are being done.
Visit the Check driver history section on the VicRoads website in order to find out how many demerit points are associated with your driver's license.
A person is considered to be insolvent and therefore eligible for bankruptcy when they are unable to pay off their debts. When a person is judged to be bankrupt, a third party, known as a trustee, is appointed to oversee the administration of their bankruptcy. The Bankruptcy Act 1966 (Cth) is the legislation that establishes the legal framework for the insolvency process.
How long does it take for a person to go bankrupt?
In most cases, a person is considered bankrupt for three years, three years, and one day.
What types of fines does the Director of Fines Victoria have the authority to impose?
The Director has the authority to enforce:
- registered infringement fines with an offence date after the person became bankrupt and that are at the enforcement and warrant stage of the Infringement Fines Lifecycle (for example, a person who was declared bankrupt on 25 March 2020 and received an infringement on 3 April 2020), and registered infringement fines with an offence date before the person became bankrupt, and
- fines or orders that have been imposed by a court and are currently in the enforcement and warrant stage of the Fines Victoria Court Fines Lifecycle (for example, court fines or enforcement hearing orders) are referred to as "enforcement hearing orders."
The bankrupt individual is responsible for these fines and will continue to have the right to deal with them even after the bankruptcy is finalized. In the event that these fines have not been paid, the Director has the authority to collect them using any number of methods, such as applying sanctions (such as driver and vehicle sanctions) or applying for a warrant.
Which penalties that have been imposed cannot be collected by the Director
The Director is unable to carry out the enforcement of registered infringement fines that have an offence date that occurred before the person became bankrupt and that are currently in the enforcement and warrant stage of the Infringement Fines Life Cycle (for example, if the person failed to pay an infringement fine). a person who was found to be bankrupt on the 25th of March in the year 2020 and who was issued a speeding ticket on the 3rd of April in the year 2019
The Director is unable to take any actions to ensure that these fines are paid; however, the bankrupt individual still has the right to take care of them if they so choose. Before making arrangements to pay fines that cannot be enforced by the Director, the bankrupt person should get advice from a financial counselor or a lawyer.
Which fines are within the scope of the enforcement agencies' authority?
Fines for infractions that have not been registered with the Director can still be enforced by enforcement agencies, such as by taking the offender to court or engaging in other forms of action. The bankrupt party is legally obligated to pay these fines and maintains ownership of the right to do so. In the Infringement Fines Lifecycle, these are the fines that are assigned during the infringement stage.
The person who has declared bankruptcy needs to get in touch with the relevant enforcement agency as soon as possible and inform them of their bankruptcy.
Who is authorized to inform Fines Victoria that an individual is bankrupt?
Notifying Fines Victoria of a bankruptcy can be done by the person (or their authorised representative), the Australian Financial Security Authority (AFSA), or the bankrupt's trustee in bankruptcy.
Which pieces of information are required to be provided to Fines Victoria?
The person who makes the notification is required to provide Fines Victoria with the following information:
- the name and address of the insolvent party
- number assigned to the bankrupt by the government
- the date on which the bankruptcy was filed.
- date of the insolvent person's birth
- the name of the trustee in the bankruptcy case, along with their contact information
Should this information not be supplied, there is a possibility that the notification will be processed with some delays.
What steps will Fines Victoria take once they have received notification that they are filing for bankruptcy?
Victoria will pay her fines by:
- find out which of the person's fines are dischargeable in the event of bankruptcy, and
- Send a letter to the bankrupt person informing them of all the fines that will not be enforced by the Director (that is, registered infringement fines with an offence date before the person became bankrupt), and also inform the bankrupt person of all the fines that will not be enforced by the Director.
- Fines that are affected by a person's bankruptcy should have their enforcement stayed so that they are not able to be collected while the person is in the bankruptcy process.
When will the actions pertaining to these notifications be taken?
If all of the bankruptcy information is provided, the notification will typically be acted upon within three days of normal business hours.
When you receive notification that you have filed for bankruptcy, will enforcement actions stop?
Yes, the fines (which are subject to bankruptcy) will not be enforced while the person is in the process of filing for bankruptcy.
If a debt has already been registered with the Director of Fines Victoria, are enforcement agencies able to begin proceedings or collect on the debt?
No, the Director is the one who is responsible for collecting registered fines; the enforcement agency cannot enforce them.
Once a fine has been registered with the Director of Fines Victoria, is it possible for enforcement agencies to remove it from their records?
Although enforcement agencies are unable to deregister a fine, they can ask the Director to send it back to them for further consideration. The Director will only send a fine back to the enforcement agency if the Director believes that doing so is appropriate.
Will the Director take into consideration the possibility of a debt settlement as an alternative to filing for bankruptcy?
As an alternative to filing for bankruptcy, the Director will take into consideration any debt agreement that is provided by a person.
If a person enters into a debt agreement and the Director of Fines Victoria is listed on the agreement, the Director will honor the terms of the debt agreement as long as unpaid fines are treated substantially the same as any other unsecured creditor. This is because the Director of Fines Victoria is a government agency.
In the event that the debt agreement is ultimately scrapped, legal action will proceed in regard to any fines that remain unpaid.
If filing for bankruptcy is not an option, will the Director take into consideration filing a personal insolvency agreement?
A personal insolvency agreement (PIA) will be taken into consideration by the Director under the Bankruptcy Act if it is accepted by the majority of the debtor's creditors.
If a person has a PIA (as described above), then that person will be treated in the same manner as a bankrupt individual. In the event that the PIA is eventually canceled, enforcement action will proceed with regard to any outstanding fines.
Will the Director be taking action to demonstrate the existence of a past-due fine?
It is essential to be aware that even though the Fines Reform Act 2014 (Vic) may render certain infringement fines unenforceable in the event of bankruptcy, the Director may still attempt to recoup these fines by proving the debt in accordance with the Bankruptcy Act. This is something that must be taken into consideration.
It is not expected that the Director will make it a regular practice to investigate possible unpaid fines. There could be circumstances, however, in which the Director believes it to be appropriate to do so.
What will take place once the individual's bankruptcy period has come to an end?
When the bankruptcy period is over, AFSA, the bankrupt, or their representative are required to inform the Director so that the fines can be discharged. They should also provide any supporting information that may be required in order for these notifications to be processed promptly.
Infraction fines that were registered with the Director but had an offence date before the person became bankrupt will no longer be enforceable once the Director learns that the person's bankruptcy period has come to an end.
Is it possible for someone who has declared bankruptcy to still deal with their fines?
A person who has declared bankruptcy can still take care of their fines in the following ways:
- complete payment made
- submitting a request for a time to pay order or a payment arrangement
- submitting a nomination statement
- submitting a request for an internal review or a review of enforcement
- filing an application for a work and development permit with the assistance of a sponsor
- submitting an application through the family violence scheme
There might be some requirements to meet in order to qualify. Please visit the Family Violence Scheme website for further details on these available choices.
Before taking any of the actions listed above, the person who has declared bankruptcy should consider whether or not it is likely that the Director or enforcement agency will enforce the fine, keeping in mind the following information:
- During and after a person's bankruptcy period, any infringement fines that have been registered with the Director and have a date of offense that is prior to the date of bankruptcy will not be enforced.
- During and after the person's bankruptcy period, any court fines, infringement fines not registered with the Director, and infringement fines registered with the Director (with an offence date after bankruptcy) will be enforced.
Whom should a person who has declared bankruptcy call for more information?
Visit the following websites if you want more information about declaring bankruptcy or if you need help with your finances:
Visit the website of the Federation of Community Legal Centres to locate a community legal center in your area, or go to the website of the Consumer Action Law Centre for legal assistance and advice regarding specific situations.
Please call (03) 9200 8222 between the hours of 8 a.m. and 6 p.m. on weekdays, excluding public holidays, for more information on how the Fines Reform Act applies to the process of filing for bankruptcy.
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