• Credit Cards
• Store cards
• Merchant accounts
• Personal unsecured loans
• Taxation debt – PAYG
• Family loans
• School fees
• Bank overdraft
• Utilities – Gas, electricity, telephone
• Council rates
• Centrelink overpayments
• Child Support payments
• Rent – overdue or upon relocation
• Loss on vehicle repossession
• Fines and penalties imposed by a Court.

Unsecured debt can only be remedied by civil court proceedings – ie summons, then judgment. Fines and Penalties are non-dischargeable debt.