DOMESTIC VIOLENCE AND SEPARATION A Financial Empowerment Checklist for Women
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1 DOMESTIC VIOLENCE AND SEPARATION A Financial Empwerment Checklist fr Wmen zahrafundatin.rg.au
2 DOMESTIC VIOLENCE AND SEPARATION A Financial Empwerment Checklist fr Wmen The decisin t separate frm a partner as a result f dmestic and family vilence is a hard time and it can be difficult t knw what yu shuld d, particularly when it cmes t mney. This checklist prvides fast and easy infrmatin t help yu wrk ut what yu can d and where yu can get help. Safety First Mark in a diary the date yu separated. The safety f yu and yur children is the mst imprtant thing. If yu are in immediate danger call: Plice Emergency: 000 Get cpies f imprtant financial and legal dcuments - If it is nt safe r yu are unable t get these dcuments seek help frm a financial cunsellr t assist yu t get these dcuments. Fr plice assistance including if yu need t return t the family hme t cllect persnal belngings call: Plice Assistance: Yu may be eligible fr a free hme safety audit (if yu are remaining in yur hme): Victim Supprt Service Get Help Yu dn t have t d this n yur wn. Fr crisis supprt call: Dmestic Vilence Crisis Line RESPECT T find a Financial Cunsellr: Natinal Debt Htline Fr infrmatin abut ther services and supprt available: Passprt Drivers Licence Birth Certificates Medicare Card Health Care Card Bank/Credit cards Marriage Certificates VISA/Immigratin paperwrk Rental/lease agreements Title dcuments/mrtgage Papers Phts/list f valuables Bank/credit card/lan statements Centrelink dcuments Tax statements/returns Payslips/emplyment cntracts Superannuatin statements Utility Bills Vehicle Registratin Children dcuments Insurance dcuments Wills/pwer f attrney Receipts/Warranties fr valuables Legal/curt/fines/summns Family Business dcumentatin Wmen s Infrmatin Service r
3 Get a safe mailing address fr any crrespndence frm financial institutins r Centrelink. This culd be a PO Bx, a safe friend/family member r yur new address if yur partner des nt knw the lcatin. Take yur name ff the Utility Bills if yu leave the family hme. If yu are renting a prperty and need t terminate the tenancy due t safety issues - cntact yur Land Agent t discuss yur ptins. Establish a separate bank accunt. If yu already had a separate accunt, ensure yur partner cannt access this accunt thrugh internet banking r secnd cards. Redirect any payments/incme/centrelink int this new accunt Fr legal advice regarding Interventin Orders including terminating a tenancy when there is dmestic vilence: Wmen s Dmestic Vilence Curt Assistance Prgram Seek legal advice abut prperty settlement frm a lawyer r legal centre. Clse any jint accunts and credit cards. Cntact yur bank and ask if they can put a freeze n any jint accunts r require bth parties t authrise any withdrawals if yur partner des nt agree t clse the accunt. Fr infrmatin abut clsing jint accunts: ASIC Mney Smart Website Cancel any direct debits fr yur partner s expenses cming ut f yur accunt Change any PIN/Passwrds n internet banking and ther imprtant accunts (e.g. , PayPal, Centrelink). Fr general legal advice: Legal Help Line Wmen s Legal Service If yu have a mrtgage in jint names, advise the lender that yu have separated and cancel any redraw facility n the lan s ne persn can t redraw n the jint lan fr their wn persnal expenses. If the hme is in yur partner s name nly seek legal advice abut the ptin f putting a caveat n the family hme which prevents the hme frm being sld withut yur knwledge befre prperty settlement can be finalised. Cntact Centrelink and advise f separatin and t find ut what payments yu may be entitled t. Ensure yu partner is n lnger authrised t access yur Centrelink recrd. If yu are experiencing financial hardship after separatin talk t the financial hardship team within yur bank r get help frm a financial cunsellr. Fr infrmatin and Centrelink Services: Seek advice if yu are facing legal issues regarding credit r debt related matters Families: Jbseekers: Fr legal advice abut credit r debit related matters: Cnsumer Credit Law Centre Multilingual: Make a list f all yur and yur partner s assets Fr specialised supprt ask t speak with a scial wrker. If yu have children cntact the Child Supprt Agency fr infrmatin: Call r visit Yu can use the Assets Stcktake Calculatr n the ASIC Mney Smart Website: Legal Services Cmmissin s Child Supprt Unit Ph:
4 Get a credit reprt t find ut what debts are under yur name and yur credit histry. Wrk ut a budget based n yur new incme and cnsider setting up Centrepay fr regular expenses Yu can get a free Credit reprt: Fr assistance with budgets: Experian Credit Reprt Veda Cntact a financial cunsellr Update yur Will, life insurance, superannuatin, r pwer f attrney t ensure that they reflect yur wishes after separatin. ASIC Mney Smart website fr infrmatin, resurces, budget tls and financial calculatrs Yu may be eligible fr private rental assistance such as a bnd r rent in advance if yu have fund a safe rental prperty after separatin. T find ut if yu are eligible and fr further infrmatin abut husing ptins: Husing SA If yu are setting up a new husehld after separatin lk int N Interest Lans fr essential husehld furniture r whitegds. Avid payday lans r rent t buy leases with high interest. T find yur nearest prvider: Call r Lk int Step-Up lans which are lw interest lans (5.99%) fr up t $3000. Yu need t be n a Centrelink Cncessin card and this lan requires a credit check. There are als many free smartphne budgeting apps available including Track My Spend r Gdbudget Budget Planner. Fr further infrmatin: If yu have experienced dmestic vilence and need help with remvals/ strage r essential husehld items t establish a safe hme, yu may be eligible fr a ne ff grant t assist with these csts. T find ut mre infrmatin: Dmestic Vilence Crisis Line If yu are n a cncessin card, apply fr cncessin n yur utility bills. Fr infrmatin and applicatin frms: Cncessins Htline:
5 zahrafundatin.rg.au
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