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When the times are good, hardly anyone asks the "what if" questions. What if I become unemployed? What if our business fails? What if we can't pay the mortgage or the credit cards? The very important message that comes from banks, financial counsellors and the Federal Government is that there is help out there.

There's independent advice available from people like mortgage brokers and people should seek out that advice as soon as they start to experience difficulties.

Unfortunately for some people personal debt levels can reach a point of no return. Let's face it - we spend a lot. Sometimes more than they should spend. Some people even spend more than they earn. So when recessionary times hit, it can be a good time to take a look at your finances and make changes before it's too late.

Australians are different to the Swiss, for example Cheap Kevin Durant Shirt , and do not invest heavily in bank deposits, pension plans, investment funds, shares or property portfolios. The Swiss hardly ever use credit cards, and this is something Australians can learn from. Aussies don't mind using the plastic Cheap Stephen Curry Shirt , sometimes too much, and when that happens the lenders swoop in and enforce their delinquency rules.

Plenty of Australians have had to sell up and move to smaller homes due to the financial crisis. If you're downsizing due to the crisis, make sure you take a mortgage you can afford. Don't borrow more than you can afford to pay back and ensure that you have enough in reserve to cover minor emergencies.

It's probably better to take steps to downsize voluntarily, which will protect your credit rating, rather than having someone do it for you. Other options include taking a repayment holiday Cheap Klay Thompson Shirt , drawing on any available equity, restructuring or refinancing your home loan. If you are in financial distress, the Uniform Consumer Credit Code allows you to apply for an extension on the term of your home loan, which could provide some relief.

You are covered by the Code if the loan was for personal rather than commercial use. Basically putting money into a business or investment property is out, but car loans Cheap Shaun Livingston Jersey , mortgages, personal loans, consumer leases or credit cards with debts less than twelve years old are in. The other limiting factor under the Code is the size of the loan. Your loan must be less than $278,457 as of June 2008.

As a last resort, you can access your super. However if you spend your super money then lose your home later on you will be left with neither. But if you find yourself in a difficult situation Cheap Zaza Pachulia Jersey , it is possible.

Be sure to avoid predatory lenders who prey on people in financial difficulty. ASIC has found that predatory lenders charge excessive fees that can be as high as twenty percent of the equity remaining in the home in question.

ASIC suggests the following hints; deal only with a licensed financial advisory business, take the time to find the best person for your needs, make sure the advice suits you and offers value for money.
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