All unsecured debt including anticipated deficiencies on motor vehicle contracts mortgages or other secured goods must be declared and the total must be less than the liability threshold regulated. It is an offence to withhold information about a debt that is owed and not included.

• 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 & penalties due to the Crown cannot be included as a debt for the purpose of an agreement.