ࡱ>  _\]^`i%ok%` bxbjbj ̟̟Y~ ~ $!   P]$!2l^opߚߚߚG< $h91GG@11ߚߚh1ߚߚ1Ri  ߚ pB_H ǥ]e 2{b*<dѡ`è21111!d)FF!)F!!!  Initiate Legal Recovery Assessment Task Cover Sheet Students Name:Employer: Please complete and check all shaded sections before mailing to the College. Make sure this cover sheet is securely attached to your Assessment Task. Please (() the type of submission (Full Submission Partial Submission Resubmission Course You Are Enrolled in (() Certificate IIIFNSMERC402A/BCode:Certificate IVFNSMERC402A/B & FNSCRDT404A/BCode: Participant Declaration: I declare that the material contained in this Assessment Task is my own work. XStudents Signature: / / Supervisors Declaration: I verify that the material provided in the attached Assessment Task is the original work of the participant. XSupervisors Signature: Supervisors Name:  / / College Use: Comments Student to Submit / Resubmit: Assessment Result: % Competent % Competence not yet demonstratedPart A Part B Part C Part D Part EPart FPart GPart HPart I Assessed By: Signature:Assessed By: Name: / / IMPORTANT ADDENDUM TO TEXTBOOK The Local Court Form numbers have changed from those referred to in the textbook. The following table will assist you in locating the correct forms on  HYPERLINK "http://www.lawlink.nsw.gov.au/lawlink/spu/ll_ucpr.nsf/pages/ucpr_forms" http://www.lawlink.nsw.gov.au/lawlink/spu/ll_ucpr.nsf/pages/ucpr_forms Form Old NumberNew NumberStatement of Liquidated ClaimForm 9Ordinary Statement of ClaimForm 8Statement of ConfessionForm 24Application for Leave to Pay Judgment Debt by InstalmentsForm 53Notice of Motion to set aside judgment and for a stay of proceedings Form 31ANotice of Cross ClaimForm 34Form 9Notice of Motion Default Judgment liquidated ClaimsForm 38Affidavit of ServiceForm 41AffidavitForm 40Examination OrderForm 54Agreement as to JudgmentForm 17 or 27Affidavit as to Property and Means of Judgment DebtorForm 54Statement of ClaimForm 3ANotice of Motion Examination notice -IndividualForm 51Notice of Motion for Writ for Levy of PropertyForm 65Notice of Motion for Garnishee OrderForm 69Garnishee Order for Wages and SalaryForm 71 Note that A Statement of Liquidated Claim and Ordinary Statement of Claim are now both on Form 3 (both forms are now known as a Statement of Claim) For College Use Only: Components of Assessment Completed in this Task Part A Debt Recovery and the Legal System FNSMERC402B Element 3 Initiate Legal Process Q1.to Q6. Current knowledge of relevant court jurisdictions.- True and False, and short written answers to questions(Part B More About Debts FNSMERC402B Element 3 Initiate Legal Process Q7 to Q14. Underpinning knowledge of debt structures and enforcement limitations - True and False, and short written answers to questions(Part C Before Court Action FNSMERC402B Element 3 Initiate Legal Process Q15 to Q22.Underpinning knowledge of debtors and legal obligations before proceeding with action through the courts(Part D Starting Legal Proceedings FNSMERC402B Element 3 Initiate Legal Process Q23 to Q 35. Understanding of the Originating process for a Statement of Claim and various debtor responses - True and False(Part E Court Rules and Forms FNSMERC402B Element 3 Initiate Legal Process Q36 to Q52. Thorough knowledge of debt collection legislation with reference to the Uniform Civil Procedures 2005 and lawlink web sites True and False and written short answers to questions( Part F Hearings FNSMERC402B Element 3 Initiate Legal Process Q53 to Q55. Requirements for details on statement of claims and understanding of court jurisdiction. True and False and written short answers to questions( Part G Judgment FNSMERC402B Element 3 Initiate Legal Process Q56 to Q64. Current knowledge of details re claims preceeding judgment( Part H- Enforcement FNSMERC402B Element 3 Initiate Legal Process Q64 to Q78 Current knowledge re enforcement options ( Part I Forms and Documentation FNSMERC402B Element 3 Initiate Legal Process Q79 to Q82. Current knowledge re completion of legal documentation Completion of examination notice, statement of claim, notice of motion for Writ on Property and Garnishee and Garnishee order( Assessment Task Part A Debt Recovery and the Legal System Refer to Chapter 2 in your textbook Debt Recovery and the Legal System to assist you with answering these questions  Q1. True or False Local Courts are sometimes called Magistrates Courts in some states Q2. True or False The Local Court deals with civil disputes of amounts up to $60 000. Q3. True or False The District Court deals with civil disputes of amounts up to $750 000. Q4. True or False The Consumer Trader and Tenancy Tribunal (CTTT) is a consumer tribunal in NSW. Q5. List 5 key aspects of the General Consumer Division of the CTTT       Q6. List 5 key aspects of the Commercial Division of the C TTT       Assessment Task Part B More about Debts Refer to Chapter 3 in your textbook More about Debts to assist you with answering these questions  Q7. Give an example of a contract dispute     Q8. True or False A claim to recover repair costs for a motor vehicle accident would be a negligence dispute. Q9. True or False A Creditor is free to enforce a debt against both or any one of the joint debtors. Q10. True or False A Creditor cant sue a guarantor unless the debtor has defaulted. Q11. Explain what an all Monies guarantee is.    Q12. True or False A creditor has 8 years to sue you for a debt. Q13. True or False The time that a creditor has to sue you for a debt starts from the date of the debt. Q14. True or False If a creditor has judgment they have 12 years to enforce the judgment Assessment Task Part C Before Court Action Refer to Chapter 5 Before Court Action in your textbook Debtors Guide to Local Courts to assist you with answering these questions  Q15. True or False Debtors are entitled to ask for and receive a copy of any contract relating to the alleged debt, copies of statements of account and details of how the amount claimed was calculated. Q16. True or False If the debt is regulated by the Consumer Credit Code the creditor cannot start legal action until they have sent the debtor a default notice. Q17. True or False Under the Consumer Credit Code you must be given at least 21 days to attempt to remedy the default before starting court action. Q18. True or False It is good practice to make your letter of demand look like a court document. Q19. Explain the meaning of without prejudice when it is written on a letter from a creditor or collections agent making an offer for a reduced payment amount in full settlement.     Q20. Explain the purpose of a Deed of Settlement when a creditor is accepting a reduced amount for a debt.     Q21. True or False The time that a creditor has to sue you for a debt starts from the date the debt becomes payable or when the debtor last acknowledged the debt, preferably in writing, or made a repayment. Q22. True or False A creditor has 6 years to sue you for a debt. Assessment Task Part D Starting Legal Proceedings Refer to Chapter 6 Starting Legal Proceedings in your textbook Debtors Guide to Local Courts to assist you with answering these questions  Q23. A debtor has 28 days to file a defence after: the date of a Statement of Claim the date the Statement of Claim is properly served the judgment date all of the above Q24. True or False A Statement of Claim is used when you are applying for default judgment for a specific amount (liquidated claim) Q25. True or False A Statement of Claim is one type of originating process document Q26. True or False If a debtor does not respond to a properly served Statement of Claim then a default judgment can be entered against them without going to court. Q27. True or False To obtain default judgment the creditor wait 28 days after proper service to apply Q28. True or False If you agree with a debtor on a repayment arrangement in response to a served Statement of Claim an Application to Pay by Instalments is usually filed. Q29. True or False A Notice of Grounds of Defence is completed by the debt collector initiating the legal action. Q30. True or False A Notice of Grounds of Defence should be lodged at the court (registry) from which the Statement of Claim was issued. Q31. True or False A Notice of Grounds of Defence must be lodged within 28 days. Q32. True or False A Statement of Confession can be filed by the debtor acknowledging liability for part of a debt. Q33. True or False A Cross-Claim is when the debtor is actually suing the creditor for something. Q34. True or False If a Statement of Claim is initiated in a Local Court that is not in the region the debtor lives, works or where the matter originated, the debtor may apply to have the case moved to a closer court. Q35. True or False If you, as the collections agent receive a copy of the Defendants Affidavit as to Venue you must respond within 28days or the venue may be moved. Assessment Task Part E Court Rules and Forms To assist you with answering these questions: Research the Uniform Civil Procedure Rules 2005 at www.legislation.nsw.gov.au or see the link at  HYPERLINK "http://www.austcollege.com.au" www.austcollege.com.au research any necessary information about Local Court documents at  HYPERLINK "http://www.lawlink.nsw.gov.au/lawlink/local_courts/ll_localcourts.nsf/pages/lc_index" http://www.lawlink.nsw.gov.au/lawlink/local_courts/ll_localcourts.nsf/pages/lc_index  Q36. True or False Section 6.12 of the Uniform Civil Procedure Rules 2005 requires the amount/s to be specified in a Statement of Claim. Q37. True or False Costs must be specifically claimed in a Statement of Liquidated Claim. Q38. True or False In the case of a liquidated claim, a claim for an order of interest up to judgment must specify the period or periods for which interest is claimed, and may specify the rate or rates at which interest is claimed. Q39. True or False If no rate of interest is specified in a Statement of Claim the rate of interest is as prescribed by the  HYPERLINK "http://www.legislation.nsw.gov.au/summarize/inforce/s/1/?xref=RecordType%3DACTTOC%20AND%20Year%3D2005%20AND%20Actno%3D28&nohits=y" \t "main" Civil Procedure Act 2005. Q40. True or False The filing of a notice of payment by the defendant operates as a stay of the proceedings. Q41. Bob Jones has incurred a debt under his registered business name of Bobs Bricklaying. Under s7.19 would it be correct to make the Statement of Claim in the name of Bobs Bricklaying or Bob Jones?  Q42. True or False In proceedings in the Supreme Court or the District Court, according to section 14.4 of the Uniform Civil Procedure Rules, a plaintiff may file a reply to a defence. Q43. True or False Section 16.3 of the Uniform Civil Procedure requires that an affidavit in support has been sworn within 14 days before the date on which the application is filed. Q44. True or False Under s16.6 of the Uniform Civil Procedure Rules 2005 there is no requirement for an Affidavit of Support where the claim is for default judgment on a debt. Q45. True or False Pre-judgement Interest is not payable on amounts claimed of less than $1,000 Q46. True or False A judgment debtor who applies to the court for an instalment order must support the order by an affidavit as to their financial circumstances. Q47. True or False A judgment creditor may apply to the court for the variation or rescission of an instalment order. Q48. True or False Under s37.6 a judgment creditor must prove that a judgment debtors financial situation has improved since the original instalment order was made. Q49. True or False An instalment order continues to have effect even if the judgment debtor fails to comply with the order. Q50. Under S7.11 of the Uniform Civil Procedure Rules 2005, who are the parties to the proceedings when recovering a debt from a deceased estate?      Q51. Refer to s6.5, s6.6 and s6.7 of the Uniform Civil Procedure Rules, and explain in your own words, what could be the consequences of a Mercantile Agent incorrectly understating the amount claimed by the plaintiff creditor        Q52. Fred is an experienced Commercial Agent and he thought he had heard everything. The debtor this time thought he would be smart and issued a Cross Claim that the creditor had sold them defective goods, for which they sought compensation. Fred ignored the Cross Claim documents. Under s9.5 of the Uniform Civil Procedure Rules 2005 explain in your own words what could be the implications of Freds action?      Assessment Task Part F Hearings Refer to Chapters 7 and 8 in your textbook Debt Recovery and the Legal System to assist you with answering these questions  Q53. What is the purpose of a pre-trial review?       Q54. True or False In the General Division of the Local Court there is a risk of having to pay the other parties legal costs if you lose. Q55. Summarise the key differences between hearings in the Small Claims Division and the General Division.             Assessment Task Part G Judgment Refer to Chapter 9 in your textbook Debt Recovery and the Legal System to assist you with answering these questions  Q56. True or False Judgment is required before enforcement can commence. Q57. True or False Appeals against Judgments from the Small Claims Division are limited to breach of natural justice or lack of jurisdiction claims. Q58. True or False The professional costs payable by the judgment debtor for Small Claims matters are fixed amounts set by the Local Court Rules. Q59. True or False The professional costs payable by the judgment debtor for General Division matters are usually ordered by the court and are not fixed Q60. List 3 examples of disbursements that may be included in a judgment amount.    Q61. True or False If a Statement of Claim specifies a request for pre-judgment interest and it is accepted , the interest becomes a part of the debt. Q62. True or False The rate of pre-judgment interest will be calculated at the statutory rate even if the contractually binding agreement made between debtor and creditor is at a higher rate. Q63. True or False The Judgment debtor has 42 days to pay the judgment amount. Q64. True or False The statutory interest rate will apply if the judgment debt is not paid by the due date and will accrue on the unpaid amount until the debt is paid. Assessment Task Part H Enforcement Refer to Chapters 10 & 11 in your textbook Debt Recovery and the Legal System to assist you with answering these questions  Q65. List and explain each of the 4 enforcement options:            Q66. What 3 things can a Judgment debtor do to put a stay on enforcement actions?           Q67. True or False The purpose of an Examination hearing is to investigate the available income and assets of the Judgment Debtor. Q68. True or False The Judgment Creditor can seek an Examination hearing every 2 months. Q59. True or False An Examination Summons must be served to you personally or to a person at your address over the age of 16years. Q70. True or False An examination hearing, may result in the registrar may ordering the debtor to pay by instalments and if kept to stops the creditor from taking further enforcement action. Q71. True or False The Judgment Debtor is required to be advised if you apply for a Garnishee Order. Q72. In the following circumstances, what is the maximum amount you would be able to apply to be garnished from the judgment debtors bank account: Lisa is a recipient of $212 per fortnight as government benefits, and had received 2 payments in the month prior to the Garnishee Order. In that period she spent $500 and had to access her bank account to cover expenses. As at the date of the Garnishee Order Lisa had a current bank account balance of $6 312. Q73. True or False A Garnishee Order on Wages will apply for 6 weeks. Q74. List 4 examples of property that a Sheriff can seize:     Q75. True or False A Judgment Debtor can apply to have the Judgment set aside Q76. True or False Enforcement action can be continued even when a request for a judgment to be set aside has been granted a hearing. Q77. True or False If the Registrar accepts a Debtors Instalment application and issues and order, enforcement action is stayed. Q78. True or False A judgment debtor can apply for a stay of enforcement proceedings if they have valid reason. Assessment Task Part I Forms & Documentation Refer to the information you have already covered and Chapter 13 Sample Letters and Forms in your textbook Debt Recovery and the Legal System and research any necessary information about Local Court documents at  HYPERLINK "http://www.lawlink.nsw.gov.au/lawlink/local_courts/ll_localcourts.nsf/pages/lc_index" http://www.lawlink.nsw.gov.au/lawlink/local_courts/ll_localcourts.nsf/pages/lc_index to assist you with answering these questions. There is a section that explains how to complete all the required documents and also a PDF file for the document itself.  There are 2 options for completing this section Option 1: Complete the specified documents for the scenario below OR Option 2: Provide copies of the specified documents that you have personally complete. (if prepared by you for legal sign off please note this on your submission) Kristoff took out a loan to buy a car with Low Doc Finance Co. The credit contract is regulated under the Consumer Credit Code NSW. The car was taken as security by way of a Bill of Sale. Kristoff has since changed jobs and his income has significantly reduced. He entered into a reduced repayment agreement with the creditor Low Doc Finance Co. However Kristoff has failed to make the last 3 agreed reduced repayments Kristoff owes $9000 of the original debt which includes interest. A default notice was issued to Kristoff over 30days ago, and there has been no attempt by the debtor to remedy the situation You are the authorised collection agent acting on behalf of the Low Doc Finance Co. Q79. Complete an Examination Notice Form 51 ensuring your document dating and the date for the provision of requested information meets the required timeframe or provide a copy of one that you have personally completed Q80. As more than 30 days has elapsed since the Default Notice has been issued and 28 days since the Examination Notice has been served you now need to complete a Statement of Claim Form 3A for the above situation, to commence the enforcement process. Ensure that the Affidavit of Service is completed, the correct division of the Court is detailed, dates are input and document is signed off where appropriate or provide a copy of one that you have personally completed. Q81. You have submitted a Notice of Motion for Judgment and obtained a default judgment order in the above matter. Your next step is to a apply for a Writ for Levy of Property Form 66 To obtain the Writ you will need to apply to the court with a Notice of Motion for Writ for the levy of Property Form 65. Complete the Notice of Motion for Writ for the levy of Property Form 65. Note no amounts have been paid by Kristoff, no repayment arrangement has been entered into and the judgment debt may have increased with costs and interest that is accruing after judgment. OR Alternatively provide a copy of one that you have personally completed Q82. After disposing of the property there is still an amount outstanding of $6000, this includes costs and accrued interest to date of issuing notice of completing Notice of Motion. Complete the Notice of Motion for Garnishee Order Form 69 and the Garnishee Order Form for Wages or Salary form 71 or provide a copy of one that you have personally completed Module: Initiate Legal Recovery v8-07 Student: Date: About the Learning Resources / Textbooks 1. The workbook/ textbook design/ format is: Easy to Use  ( ( ( ( Difficult to Use2. The workbook/textbook content is: Easy to Understand  ( ( ( ( Difficult to Understand3. The workbook/textbook content is: Appropriate for the course  ( ( ( (Irrelevant 4. The learning resources provided overall were: Very well suited to cover the course material ( ( ( ( Not suitable for the course material Comments to explain your answers:    Problems that need fixing eg typos, unclear material   About the Assessment Tasks 1. The Assessment Task design/ format is: Easy to understand what I am required to do  ( ( ( ( Difficult to Understand and use2. The Assessment Task questions are worded so that they are: Easy to Understand  ( ( ( (Difficult to Understand3. The Assessment Task content is: Appropriate for the course  ( ( ( (Irrelevant 4. The Assessment Tasks has: A good variety of things to do to show competence ( ( ( ( Limited variety when other options could be used 5. The Assessment Tasks provided overall were: Very well suited to cover the course material ( ( ( ( Not suitable for the course material Comments to explain your answers:    Problems that need fixing eg typos, unclear questions    Overall Evaluation / Comments:     Please mail this Assessment Task to: Australian College of Commerce and Management Locked Bag 8804, Wollongong NSW 2500   FILENAME Initiate_Legal_Recovery_Assessment_Tasks_v7-08.doc Australian College of Commerce and Management Page  PAGE 1 of  NUMPAGES 22   FILENAME Initiate_Legal_Recovery_Assessment_Tasks_v7-08.doc Page pqr+ . 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