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Case Study 2 - Early Intervention works
$100 paid consistently every week.
The Ratepayer (doesn't fully realise that he) saved over $1,000 in legal fees.
Council will be paid in full - months earlier than by legal action.
The Ratepayer (doesn't fully realise that he) saved over $1,000 in legal fees.
Council will be paid in full - months earlier than by legal action.
Situation
Ratepayer is an adult, employed but struggles to manage finances, voluntarily disconnecting the electricity nine years ago, finding it too difficult to pay the bills.
They live in town and cook on a fire outside in the dark, with the mantra, “a fire and a radio is all a bloke needs”.
Thousands of dollars in legal fees were added to their financial struggles, as Council reluctantly took legal action every 2-3 years to collect the Rates debt.
The previous two legal actions were paid by Wage Garnishees.
Council is ready to start legal action again.
They live in town and cook on a fire outside in the dark, with the mantra, “a fire and a radio is all a bloke needs”.
Thousands of dollars in legal fees were added to their financial struggles, as Council reluctantly took legal action every 2-3 years to collect the Rates debt.
The previous two legal actions were paid by Wage Garnishees.
Council is ready to start legal action again.
Resolution
We visited the Ratepayer in the evening at the (dark) property, and proposed a voluntary wage deduction.
The Ratepayer agreed to pay $100 pw by wage deduction and consented for us to phone the employer’s Payroll Department for their contact details.
The Ratepayer has no electricity, no computer and no email, so we wrote a letter to the Payroll Department from the Ratepayer, authorising the wages deduction.
We delivered the letter to the Ratepayer for signing, and sent the signed letter to Payroll who phoned us to confirm it was processed.
The Ratepayer declined a referral to Financial Counselling. We will raise the subject again the debt is paid in full and when we visit again to reduce the amount of the weekly payments.
The Ratepayer agreed to pay $100 pw by wage deduction and consented for us to phone the employer’s Payroll Department for their contact details.
The Ratepayer has no electricity, no computer and no email, so we wrote a letter to the Payroll Department from the Ratepayer, authorising the wages deduction.
We delivered the letter to the Ratepayer for signing, and sent the signed letter to Payroll who phoned us to confirm it was processed.
The Ratepayer declined a referral to Financial Counselling. We will raise the subject again the debt is paid in full and when we visit again to reduce the amount of the weekly payments.