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There are community financial counsellors who are free to attend. I would advise going to see one asap. Take all the details you can provide with you, including a letter from your husband's doctor about his condition. The financial counsellor I attended was super helpful, first we worked out a comprehensive budget together based on what was happening at that time, then they called the people I had debts with (including the ATO) and set up payment arrangements for me. It took a few visits to the financial counsellor but it was well worth it. While I was on the payment arrangements I could make extra payments any time I wanted, and if I was unable to make a payment that week/fortnight, I just called them and explained the situation and that payment was not taken out - but it had to be a valid reason for that of course.
I hope everything worked out alright for you in the end?
You don't get a "black mark" you get a default, if you make a payment arrangement you won't get a default. Having one default wont mean you can't get a home loan for 7 years.
No but my now husband did. It meant we couldn't buy a house for the longest time but we're about to take the plunge now & win win the arse has fallen out of the market. Everything happens for a reason, it'll all work out in the end. Try not to freak out so much.