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Financial hardship happens when unexpected events make it hard to pay bills or loans on time. You can ask your lender for a hardship variation, such as reduced or delayed repayments, paused interest, or waived fees. If your lender refuses, you can continue paying what you can and challenge the decision through the lender’s complaint process or the free Australian Financial Complaints Authority (AFCA). Lenders must follow responsible lending laws, and if they gave you a loan you couldn’t afford, you may be entitled to have it changed, partially or fully written off, or receive compensation. This factsheet provides guidance but is not legal advice.
Legal self-help
Is your current visa expiring in the next 28 days?
Have you been exploited at work?
Do you want to stay in Australia to take legal action against your employer?
Legal self-help
This factsheet explains your rights and obligations in relation to flexible working arrangements.
Legal self-help
This factsheet explains your rights and obligations in relation to General Protections claims involving dismissal.
Legal self-help
This factsheet explains your rights and obligations in relation to sham contracting arrangements.
Legal self-help
This factsheet explains your rights and obligations in relation to making an unfair dismissal claim.
It outlines who is eligible to apply, what counts as a dismissal, what makes a dismissal unfair, the strict 21-day time limit, the application process through the Fair Work Commission, and the possible remedies of compensation or reinstatement.
Legal self-help
This factsheet explains your rights and obligations in relation to workplace underpayments.
Legal self-help
This factsheet explains what workplace discrimination is and what you can do if you think you have been discriminated against.
Annual Reports
We’re pleased to share Redfern Legal Centre’s 2024–25 Annual Report.
Papers and submissions
This report analyses a decade of data on strip searches and drug dog use in New South Wales, obtained through parliamentary Questions on Notice after initial access was denied. Between 2014 and 2023, NSW Police conducted 82,471 strip searches. Illicit substances were found in only 13.5% of cases, meaning 86.5% of searches yielded no drugs. The report calls for changes based on these findings.