If you see yourself here,
we can help.

She has a diagnosis and four children who need her present. Instead, she is spending her remaining energy managing an ATO payment arrangement, two credit cards in default, and a mortgage the bank will not discuss until she is in arrears.

"I kept thinking, if I can just get through this one call, then I can be with my kids. There was always another call."

His small business has an ATO debt that was manageable before the diagnosis. It is not manageable now. He does not want his partner to inherit the debt collector alongside the grief. He does not want his children chased.

"My biggest fear isn't dying. It's what I'm leaving behind for them."

MND is progressive. He is still working but the diagnosis is terminal. He has a mortgage, a rental property, and financial complexity built over a lifetime. He needs someone who understands both terminal illness provisions and investment debt.

"I've always handled everything myself. I just need someone to help me get this right while I still can."

His wife has a terminal diagnosis. He drops the kids at school, goes to work, visits the hospital at lunch, picks up the kids, manages the debt calls after they are in bed. He is trying to protect her from the financial reality. Nobody should be carrying this alone.

"She doesn't know how bad it's got. I'm trying to keep it from her. I can't tell her there's a debt collector now."

He always handled the finances. He is gone now. The bank is calling about the joint mortgage, a credit card she did not know existed, and a personal loan in both their names. She does not know what she is legally liable for. We do. And much of it can be challenged.

"I never signed anything for that loan. But the bank says I'm responsible. Can they really do that?"

Both parents took leave from work when their child was admitted. One has not returned. The mortgage is based on two salaries that is now one. The credit card is the only thing keeping the household running. The bank does not know, and does not care, about the child in the ward upstairs.

"We've been at the hospital every day for four months. The mortgage missed payments notice arrived yesterday. I didn't even open it."

They have driven three hours each way every week for treatment. Fuel, accommodation, lost wages, and a mortgage that is now 60 days in arrears. Every dollar that goes to debt management is a dollar not spent being present. We take the financial load so they can be parents.

"The bank said call back in 30 days. Our daughter doesn't have 30 days. I need someone to talk to them today."

She is the named executor. Her mother has a reverse mortgage, credit cards, and an ATO debt from her business years. She wants to be present with her mother in her final months. Instead, she is on hold to the ATO and reading letters she does not understand.

"I didn't know being executor meant I'd be dealing with the ATO while my mother is still alive. I just want to be her daughter."

She was named executor because she was the responsible one. Now she has a table covered in creditor letters, a bank demanding full repayment, and an ATO notice that arrived before the funeral. She is not a lawyer. She is a person in grief being treated like one.

"Every day I sit at this table and I don't know where to start. I just need someone to tell me what's actually mine to deal with and what isn't."

They know the diagnosis. They know time is limited. They want to protect the surviving partner from a financial crisis after death. They want to do that now, while they can still plan together, rather than leave it to grief and legal notices.

"We just want to make sure she won't be left with a mess. If we can sort it now, that's what we want to do."