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Guides

Guides for the months before, and the days after, the letters

Researched, plain-English and written for Australian owners under pressure — from spotting cash trouble early to funding a way out.

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Court and creditor lettersDirectorsGetting fundedTax timeBefore the lettersATO debtWays outATO letters

Electrical contractor in a hard hat and flannelette shirt standing with arms folded beside a switchboard, weighing up a supplier's demand under a personal guarantee
Court and creditor letters

Demand on Personal Guarantee? What Happens Next

A demand on your personal guarantee for the company's debt? The path from letter to court to bankruptcy notice, and the one point where settling is cheapest.

22 October 2026
Company director and his accountant going through cash flow figures on a laptop and printed reports to check whether the business can pay its debts on time
Directors

Is My Company Insolvent? The Cash-Flow Test Explained

Is your company insolvent, or just short this month? How the cash-flow test works, what counts as 'able to pay', and the one question to settle first.

15 October 2026
Business owner frowning as he reads through a printed court claim at his desk, with a second set of papers beside his laptop
Court and creditor letters

Court Claim for a Business Debt? Your 21 or 28 Days

A court claim for a business debt starts a 21- or 28-day clock to defend, admit or pay. What each choice leads to, and why doing nothing is the costliest.

8 October 2026
Tidy desk with a laptop, documents folder and notes
Getting funded

Debt Rescue Document Pack: What to Gather Tonight

Your debt rescue document pack decides how fast a lender can help when a deadline is ticking. What to gather tonight, plus the login most owners forget.

2 October 2026
Tax paperwork, calculator and coffee on a home office desk
Tax time

EOFY Tax Bill Bigger Than Expected? Your Options

EOFY tax bill bigger than you planned for? Why it happens, what to do before the due date, and the instalment fix that stops next year repeating it.

2 October 2026
Cash flow spreadsheet open on a laptop in a home office
Before the letters

Early Warning Signs of Cash Trouble: A Monthly Check

Spot cash trouble months before ATO letters arrive: a 20-minute monthly check built on official warning signs, what each red flag means and what to do.

1 October 2026
Business owner making a phone call at her desk
ATO debt

Can't Pay the ATO? How the First Phone Call Should Go

Dreading the call to the ATO about a debt you can't pay? What to prepare, what to say, what to ask for, and how to follow up so the call actually helps.

1 October 2026
Unopened envelope on a dark background
Before the letters

Missed ATO Letters? Fix Your ASIC Registered Address

A DPN's 21 days start when it's posted to your ASIC address, not when you read it. Check your registered details and build a mail routine that works.

1 October 2026
Excavator in an equipment yard lined with palm trees
Ways out

Sell Assets or Borrow to Clear Business Debt?

Sell equipment, stock or property to clear business debt, or borrow against it? Compare timing, tax, price and control before a deadline decides for you.

1 October 2026
Business owner at a desk with a pen in hand, about to sign a typed one-page letter beside a laptop
ATO letters

ATO Estimate Notice for PAYG or Super? The 7-Day Window

An ATO estimate notice is payable the day it's given, and you get just 7 days to correct it with a statutory declaration. What to check first, and what next.

1 October 2026

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