COMMUNITY DISCUSSION
Australia mortgage hardship: what should I do before repossession action starts?
Contact the lender’s hardship team as early as possible and explain what you can realistically afford. Moneysmart says lenders must respond in writing to a hardship request within 21 days, subject to requests for further information. If the lender refuses or the issue is unresolved, internal dispute resolution and AFCA may be available. Official source: Moneysmart / AFCA. Guide: https://getinstantlaw.com/debt-collection
Community posts are personal experiences and general discussion, not legal advice. Laws and procedures depend on jurisdiction and individual facts.