I hope so. I live in Brisbane Queensland and have done for…

Your question

Can the SA Fines payment unit enforce payment from me now I live in Queensland?

ANSWER: Yes, The debt owed to the state can be enforced nation wide.

Where fines a due and not paid, the debt will be raised in the local court, and a judgment order obtained, which is enforceable around Australia

Where you cannot paid the fines, you can arrange a payment plan.

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Yes

I kindly request that you please scroll up. I have posted a reply for you that explains your options, if you cannot see the response, it may take a minute or two to show. I am here to assist you when you need.

You can challenge the fines in the local court if you choose to do so

The offer is $8.00 if you look at it again

you will have to engage a lawyer in Adelaide to appeal the decision on the fines.

this will be the easiest way.

You could also try to seek a negotiate settlement as well

In regard to the money owed, if the debt claimed is one that has been moved over to a collection agency to pursue, you will be able to negotiate the debt amount.

Generally, when the debt is transferred to a collection agency the debt purchased at a discount by that agency, and if this is the case in your particular situation you may offer a settlement percentage which you can pursue.

No credit collection agency wants to put a person into personal bankruptcy as this achieves nothing for either party .

The best way forward is to demonstrate that you do not have the financial capacity to pay the debt, which will require you to engage an accountant to complete a profit and loss statement, and balance sheet on your financials. Then from this position you will be able to show the agency as so to what your true capacity is.

Unfortunately, where you do have assets such as a car or house, the collection agency will pursue a judgment debt against you to obtain an enforcement order to sell these assets to settle the debt.

Personal bankruptcy is not often talked about, because it is one of those topics that people do not want to associate themselves with when a particular individual has become bankrupt. People can be vicious, and sometimes bankruptcy is not the fault of the person and others do not see it that way.

So what are the impacts on a person when they are bankrupt?

Bankruptcy can be a lengthy process for an individual, and can continue well after the three year period on which a bankruptcy may be discharged against that person.

When a person is made bankrupt the impact on that individual can be long lasting with the loss of face from family, friends and the business community. There is a mark of failure branded on the individual or humiliating character if the person cannot arise above the stigma that is upon them because of the bankruptcy. It often occurs that society will shun a bankrupt as a criminal, when in fact some circumstances they are not.

However, the blame for losses will eventually lay upon the bankrupt. Someone has to take the ‘fall’ for the decisions that were made, whether right or wrong.

The bankrupt has a number of important rules to follow. The bankrupt must attend meetings of creditors as the trustee requires. The bankrupt will be questioned in detail, which may be demeaning for the bankrupt. The bankrupt has to answer questions, disclose property, financial dealings, which may include with other people, companies, partnerships and entities.

The trustee will investigate the conduct of the bankrupt, accounts, and all other examinable affairs. The bankrupt will be required to deliver records and information as needed by the trustee. The bankrupt has to allow the trustee reasonable access to their premises and records. If the bankrupt fails to comply with the administration requirements of the bankruptcy process, the trustee may seek assistance from the court that the bankrupt be examined by the court, and other orders placed on the bankrupt to comply with the orders of the trustee.

If the bankrupt fails or refuses to comply with an order from the court, the bankrupt may be arrested and jailed if insufficient reason is provided by the bankrupt for failing to comply with an order.

If the bankrupt changes their name or address they need to notify the trustee and failure of is an offence, and may result in an objection to the discharge of the bankrupt when that time occurs.

When a bankrupt is working and their income reaches a certain threshold, the trustee may require the bankrupt to make contributions from their income under the direction of the trustee. Where the bankrupt fails to comply with the trustee direction, an automatic discharge from bankruptcy may be stopped.

Where a bankrupt has other accounts with banks or other financial institutions in Australia, the bankrupt cannot remove funds from those accounts, and those financial institutions that hold those funds are not permitted to allow payments out of those accounts unless authorised by the trustee. Then where money of the bankrupt is insecure, a freezing order may be applied against the account by the trustee through obtaining an order of the court.

The bankrupt cannot travel outside Australia unless consent is provided by the trustee, and the bankrupt must surrender their passport to the trustee. If the bankrupt leaves Australia without consent, an offence will have been committed by the bankrupt.

When a bankrupt seeks credit of over $5,447.00 which is indexed per year, the bankrupt is required to disclose to that party they are an undischarged bankrupt. This disclosure may result in the bankrupt not being able to carrying on a business if they are required to obtain credit in some form.

A bankrupt is prohibited from managing a corporation or being part of its management. Then if a bankrupt works in certain professional trades, such as a lawyer, accountant, veterinarian, builder, real estate agent, they will suffer working restrictions. The number of professions that are affected by bankruptcy order is extensive.

If prior to bankruptcy the person was a trustee of a self-managed super fund, and that person is made bankrupt, they can no longer be a trustee of the self-manage super fund.

There are many significant impacts on a bankrupt, and if there are alternative options to avoid bankruptcy they should be considered. For as once you have been made bankrupt the effects will be long lasting.

Thank you for reaching out today.

You have a legal right to protect your interests in this important situation.

I am a user like you in this chat forum to assist in your important question today.

Thank you kindly for rating me with 5 stars, which helps me support the community.

You can come back to this post any time to ask questions without additional charge.

I hope I have assisted with answering your important question today, and thank you for supporting the community.

yes that would me a good way forward

Also consider the points I raised above as well

Yes you can represent yourself and do well with a good defence prepared

You are welcome, and thank you for supporting the community. 

Wishing you a wonderful holiday season.

you too