A debt pursued isn’t always a debt owed

September 07, 2026

The Challenge: Thom, a widower caring for his dependent child, was living in public housing and relying on a Disability Support Pension when he was pursued for more than $3,500 following a motor vehicle accident. Facing significant financial pressure, he couldn’t resolve the matter on his own and was unsure where to turn.

The Solution: Thom contacted PCLC’s After-Hours Service, where our volunteer team assessed his situation and referred him for ongoing legal assistance. After further investigation, our lawyer successfully challenged liability and secured the withdrawal of all recovery action against him.

The Impact: The outcome relieved a significant financial burden and protected Thom from an unfair claim. It also provided peace of mind during an already challenging time, allowing him to focus on caring for his family rather than worrying about mounting debt.

Key Takeout: Don’t assume a debt is owed simply because recovery action has started. Careful investigation of liability can uncover valid grounds to challenge a claim. Early advice and referral can prevent financial hardship, reduce stress and deliver life-changing outcomes. 

Received a notice? Contact us: 9783 3600 | pclc@pclc.org.au

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