Recognising and responding to vulnerability
Personal insolvency practitioners frequently work with people experiencing vulnerable circumstances. AFSA uses a broad definition of vulnerability in this context, as outlined in the AFSA Vulnerability Strategy 2025–28.
Individuals facing vulnerability may respond to their circumstances in ways that make it harder for them to act on advice and instructions, or to meet their obligations under the Bankruptcy Act. Recognising vulnerability, and responding with empathy and professionalism, is integral to achieving fair outcomes for all.
Supporting clients experiencing vulnerability not only promotes equitable treatment, it may also contribute to more efficient administration of bankrupt estates and debt agreements. This leads to better outcomes for both debtors and creditors.
This toolkit provides referral pathways to help clients meet their obligations and resources to support your own wellbeing.
Downloadable resource
Key resources
AFSA's strategy for building vulnerability capability. Learn the definition, indicators of vulnerable circumstances, and practical guidance to support you and your clients.
Debt and insolvency can be stressful for clients and practitioners. Access free support services, crisis resources, and referral pathways to help.
Help your clients, current or potential, to recognise warning signs of untrustworthy debt advice and where to report misleading practices. Protect vulnerable clients by identifying concerning behaviour.
Information to support clients and small practitioner agencies manage debt. Find support service contacts and general business support information.
Help your clients, current or potential, to recognise warning signs of untrustworthy debt advice and where to report misleading practices. Protect vulnerable clients by identifying concerning behaviour.
Explore integrity principles for trustees and Debt Agreement Administrators. These principles provide the foundation for practitioners to consider and act on vulnerability.