Have interest rates fallen considerably since you took out your mortgage? Has your credit score or financial situation improved so you may be eligible for a lower rate? Would you like to access your equity for an investment or renovations? These are all great reasons to consider refinancing your mortgage. Refinancing can often be a …
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What is the legal meaning of a deposit? The purpose of the deposit for a purchase of land contract– is to show that the purchaser is serious in completing the transaction. The deposit is usually paid at the time that the contract is signed by the purchaser and is usually 10% of the purchase price …

Part 1 of Debt Recovery Series by Maria Rigoli and Damian Ballan CHASING MONEY: THE LETTER OF DEMAND (LOD) A LOD is sent to a person or organisation who owes you money (the debtor) following your supply to them of goods and services. The LOD advises the debtor of the amount outstanding and threatens court …

Fraud upon the elderly is becoming more and more widespread and sophisticated. Presently there does not appear to be any unified Australian legislation which protects older people from this type of abuse. In a 2011 study conducted by the Crime Research Centre of the University of Western Australia its findings were that “misuse of Enduring …

Legal principles applying to family violence: The family law presumption of “equal shared parental responsibility”, does not apply in cases where there is child abuse or family violence The requirement that people attend mediation does not apply if there is family violence or abuse A fear or apprehension of family violence must be “reasonable” A …

What are the new laws about children? Changes to ’the Family Law Act 1975′ made in 2006 include: The introduction of a new presumption of shared parental responsibility A new way for the court to determine what is in the best interests of a child A focus on parenting plans to reach agreement over children without having …