Archive for the ‘Uncategorized’ Category

Moving in together? Are we now in a de facto relationship?

Just because a couple is living together it does not automatically mean they are in a de facto relationship. There are many different factors in determining whether two people are living in a de facto relationship, such as whether they share bank accounts, are in a sexual relationship, and whether they are known as a couple to family and friends.

If you are a couple who chooses to move in together with the intention of becoming ’de factos’, then you should be well acquainted with what your rights and responsibilities are under de facto relationship laws.

What is a de facto relationship?

Contrary to public opinion, there is no set time period that a couple needs to be living together before they can be considered to be in a de facto relationship. However, to be recognised as a ’de facto couple’ and have the same legal rights as a married couple, the Family Law Act generally requires a couple to have been living together for at least two years OR have at least one child from the relationship.

There is no one size fits all checklist of factors to prove that a couple is living in a de facto relationship, rather there are factors that should be taken into consideration when assessing whether a couple are in a de facto relationship. These include:

  • Are the couple living together and if so, for how long have they been living together?
  • Whether the couple has a sexual/intimate relationship.
  • Whether they share joint bank accounts or own property together.
  • Whether they share weekly living costs, such as utility bills.
  • Whether their family and friends know them to be a couple.
  • Whether they share any children.

How do I protect my assets if I’m in a de facto relationship?

One way to protect your assets is through a Financial Agreement (often referred to as a ‘pre-nup’). A Financial Agreement sets out the assets each party has at the beginning of the relationship and how these assets will be divided if they separate. A Financial Agreement is particularly important in circumstances where one party has significantly greater assets than their partner.

If a de facto couple decide not to draw up a legally binding Financial Agreement, they should at the very minimum agree to keep all their finances separate.

This should include:

  • Keeping finances and bank accounts separate.
  • No joint ownership of any property acquired.
  • Each party remains responsible for their own debts, makes their own financial decisions and spends their money as they wish, with no accountability to the other party.
  • There should be no financial planning for the couple’s future. There should be no evidence of an intention to provide for the other party in a Will, as a beneficiary in superannuation funds or life insurance policies.
  • The party that does not own the home that the couple live in should be contributing rent/board to cover normal living expenses.

If you want to ensure that your assets are protected in the event that your de facto relationship breaks down, we recommend you seek legal advice from an experienced lawyer.

How does the law treat a de facto relationship?

The Family Law Act allows parties in a de facto relationship (for over two years), to make an application to the court for orders to be made about how their assets and liabilities should be divided following a breakup.

There are some exceptions to the two-year minimum period, where:

  • the de facto couple share a child;
  • their relationship has been registered; and
  • one party has made substantial contributions to the other party.

In the above circumstances, the parties can make an application to the court even if the relationship lasted for less than two years.

What are my rights if my de facto relationship ends?

The jurisdiction of the Family Law Act applies to de facto couples who separate and seek financial and other orders. The party making the application must prove that a de facto relationship existed for a period of at least two years and that separation occurred after 1 March 2009.

A party to a de facto relationship can only ask a court to make an order about financial matters after the breakdown of a de facto relationship.

Financial matters include:

  • property settlements
  • spousal maintenance matters
  • superannuation splits

There is a time limit of two years from the date of separation to make a property claim.

Conclusion

De facto couples generally have the same legal rights as a married couple under the Family Law Act. There is no one size fits all checklist of factors to prove that a couple is living in a de facto relationship, rather various factors are taken into consideration when assessing whether a couple are in a de facto relationship.

If you would like to protect your assets in the event your relationship breaks down and prefer to keep the Family Court out of the division of your property and assets, you may wish to consider entering into a binding Financial Agreement, especially where one party has significantly greater assets than their partner.

If you or someone you know wants more information or needs help or advice, please contact us on 07 3281 6644 or email mail@powerlegal.com.au.

You said what? All about defamation claims

‘He said’, ‘she said’, ‘they said’.

Defamation cases can attract a lot of attention in the media, particularly when they involve well-known celebrities like Rebel Wilson or Geoffrey Rush.

Defamation cases, however, are not exclusive to those with a high profile. The use of social media has escalated to the point that it is a daily ritual for many, with the potential for defamatory material to transcend across vast audiences within seconds. It has become increasingly important to appreciate the type of conduct that may leave a person or organisation liable for defamation, and to know your rights if you have been the victim of a defamatory publication.

This article provides general information regarding defamation laws in Australia which, apart from some differences, are relatively uniform between the states and territories. Your lawyer can explain the law as it applies to your jurisdiction and assist in commencing or defending a defamation matter on your behalf.

Defamation at a glance

Defamation is the publication of an imputation (insinuation) about a person that damages, or is likely to damage, that person’s reputation. You may have previously heard defamation referred to as ‘libel’ or ‘slander’.

Essentially, Australia’s defamation laws aim to:

  • promote uniform laws across the country – apart from some exceptions, defamation laws are generally consistent;
  • encourage the efficient, non-litigious resolution of defamation disputes; and
  • provide fair remedies for those covered by the legislation who suffer loss of reputation by the publication of defamatory material, without unreasonably restricting freedom of expression.

Claiming defamation

Defamation laws provide protection and compensation for individuals, not-for-profit organisations and companies employing less than ten people, who suffer loss of reputation caused by a defamatory publication. Although the legislation imposes limits on who can claim compensation, any natural person or legal entity including government bodies and companies may be liable for defamation.

A claim for defamation may arise from the publication of defamatory matter about a person. Defamatory material may be in the form of printed material such as an article, report, advertisement, letter or picture or in a spoken form such as an announcement or discussion, or a gesture. The subject matter may be conveyed in printed form or through media such as television, radio, internet or other forms of electronic communications.

How is defamation proven?

Three essential elements must be satisfied to prove defamation, namely, publication, identification, and the existence of a defamatory matter. Additionally, there must be no defence available to the publisher of the alleged defamatory material.

The information must have been published or communicated to a third party and identify the aggrieved person. It is not necessary that the material names the person claiming to have been defamed, provided there is sufficient information that would reasonably identify that person to a third party. A simple example would be material that refers to somebody’s daughter, son, or mother.

The information must contain a defamatory matter. In determining whether material is defamatory, it must be shown that a reasonable person would likely think less of, shun, avoid or ridicule the aggrieved person because of the publication. The intention of the person or entity publishing the material is irrelevant, and the publication need not actually affect the person’s reputation, provided it is reasonably capable of doing so.

Defences to defamation

Various defences may be available in response to a claim for defamation. These typically include:

  • honest opinion;
  • truth or justification;
  • qualified privilege (where material is published during the course of legal, tribunal or parliamentary proceedings);
  • innocent dissemination (where the matter was contained in or extracted from a public document).

Generally, the most common defence is justification – that the imputations are substantially true; or that in addition to the defamatory material, the matter contained one or more imputations that were substantially true and reputational loss suffered by the aggrieved person is no worse as a result.

Managing defamation disputes

Following is the general process adopted when pursuing a defamation matter, noting that although defamation laws are mostly uniform across Australia, it is important to obtain advice specific to your jurisdiction and your particular circumstances.

  • An aggrieved person issues a ‘concerns notice’ to the person or entity who has allegedly published the defamatory material. The notice must detail the imputations of concern – if details are not properly particularised the publisher can request additional information which should be provided within 14 days.
  • After receiving a concerns notice, the publisher may make a written offer to make amends within 28 days. The offer must:

–        identify the notice as an offer under the relevant legislation;

–        include any limitations regarding the offer and the defamatory imputations;

–        include an offer to publish a reasonable correction of the matter in question and, where material has been provided to a third party, an offer to take reasonable steps to inform that party that the matter is or may be defamatory;

–        include an offer to pay the aggrieved person’s reasonable expenses incurred before the offer was made, and the person’s costs in considering the offer.

The offer may include additional remedial action to redress the harm sustained by the aggrieved person including the payment of compensation.

  • If the offer is accepted terms of settlement are prepared and the aggrieved person may not proceed further against the publisher with respect to that matter. A person’s refusal to accept a valid offer may be used in subsequent legal proceedings.

Going to Court

Court proceedings must generally be commenced within 12 months from the date a defamatory statement is made.

If successful, a judge will determine the appropriate damages payable which are capped to a statutory limit. Additional damages may only be awarded if the Court is satisfied that the circumstances of the matter warrant such an award.

Conclusion

Defamation matters can be complex and are by nature, generally emotive. Costs can escalate and it is important to obtain considered advice by a lawyer with experience in these types of matters.

If you or someone you know wants more information or needs help or advice, please contact us on 07 3281 6644 or email mail@powerlegal.com.au.

The Risks of Going Guarantor

Has a family member asked you to provide a guarantee for their home loan or personal loan? If so, you need to be clear about your obligations under a contract of guarantee.

What is a guarantee?

If a lender is concerned about a borrower’s capacity to repay a loan or has classified the borrower as a high credit risk, the lender may ask a third party to provide a guarantee that he or she will pay back the full amount of the outstanding loan if the borrower defaults.

If you sign a guarantee for a friend or family you become a “guarantor” of the loan. In other words, you will become responsible for the borrower’s debt if they do not repay the loan.

There are guarantees for fixed amount or “all monies”. All monies guarantees are for all amounts owing under the loan, now and in the future (including such things as the principal, interest, fees, costs and expenses).

Risks of providing a guarantee

You are obliged to inform a credit provider of any loans on which you have agreed to act as guarantor. A credit provider will take into account your obligations under the guarantee when considering your capacity to repay a new loan. Even if the borrower is meeting his or her repayment obligations, your guarantee could affect your ability to secure new financing.

If the borrower does not pay back the loan, you could end up with a bad credit record, which will make it harder for you to borrow money in the future. Further, if you provide your house as security, you could risk losing your home if you are unable to meet the obligations of the loan guarantee. A lender can also take steps to make you bankrupt if you are unable to pay back the loan, in order to access your assets to satisfy their debt.

Questions to ask before agreeing to provide a guarantee

As can be seen, there are many financial risks associated with acting as a guarantee with very little reward. Before providing a guarantee, we recommend that you consider the following questions:

  • how does the borrower intend to repay the loan?
  • what is the amount of the guarantee? Is it for a fixed amount or “all monies”?
  • can you repay the loan amount if the borrower does not meet his or her repayments?
  • do you have to put up assets as security?

Independent legal advice

A lender will generally ask for evidence that a guarantor has obtained independent legal advice on the potential consequences of entering into the guarantee before signing the guarantee contract. That is because guarantees can be unenforceable if one party is found to have been induced into entering the transaction by another party’s undue influence. There are certain circumstances where undue influence is presumed (for example, husband and wife relationships and where the transaction seems to clearly benefit one party and not the other).

Insisting that a guarantor obtain independent legal advice provides protection to a lender that a guarantee will be enforceable.

Conclusion

A guarantee is a contract with significant legal and financial consequences. You should think carefully before agreeing to provide a guarantee and obtain independent legal advice before signing any documents.

If you or someone you know wants more information or needs help or advice, please contact us on 07 3281 6644 or email mail@powerlegal.com.au.

Protection from Cyberbullying – rights & remedies

‘Bullying’ is behaviour, whether physical, verbal, psychological or social, that is directed towards a person or group, with the intention to cause harm or fear. When this conduct is carried out using information and communication technology (such as over the internet or via a mobile phone), it is referred to as ‘cyberbullying’.

Depending on the nature, repetition and severity of the behaviour, cyberbullying may constitute a criminal offence.

When is cyberbullying a crime?

Under national laws, the Commonwealth Criminal Code Act 1995 provides that it is an offence to misuse telecommunication services. The ‘use of a carriage service in a way that reasonable persons would regard as being…menacing, harassing or offensive’ is an offence which attracts a penalty of imprisonment for up to three years.

A ‘carriage service’ includes the internet and mobile phone networks.

Consequently, although ‘cyberbullying’ is not specifically defined as an offence under national law, there are various behaviours that could be recognised as an offence, such as using a carriage service to:

  • make intentional threats to hurt a person or damage property in circumstances where the threat frightens, intimidates or annoys that person;
  • stalk a person – repeated unwanted attention that frightens or intimidates a person, such as unwanted emails, phone calls or text messages;
  • menace, harass or seriously offend a person – sending offensive messages or making posts that cause a person to feel anxious, humiliated or disgusted;
  • defame a person – publishing / posting false information about somebody else with the intention that it causes serious harm;
  • encourage somebody to suicide.

It is also an offence to access another person’s internet account without their consent.

In addition to Commonwealth laws, Australian states and territories have criminal laws that could apply to cyberbullying. These offences generally target stalking, harassment, threatening or intimidating conduct and defamation. Many of these laws were originally aimed towards domestic violence or relationships where there is an imbalance of power, however, in a technological environment, may extend to cyberbullying in certain circumstances.

Various jurisdictions have also introduced, or are in the process of amending or introducing, legislation to target more specific forms of cyberbullying such as the non-consensual sharing of intimate images (or ‘revenge porn’). These laws generally create offences that criminalise the non-consensual recording and threat or actual distribution of intimate images. The terminology and provisions vary between jurisdictions however persons convicted of offences under these laws may face heavy monetary fines and possible prison sentences.

What are your rights if you are cyberbullied?

You have a right to feel safe and not be bullied. There are things that you can do to protect yourself from a cyberbully.

Initially, you could ask the person responsible for the offending material to delete it.

In regard to social media websites, you can usually report bullying posts to the website administrator who will remove offensive material if it violates that website’s terms of use. Also, most social media websites enable you to block someone from contacting you.

If you are receiving bullying phone calls or text messages from someone you may be able to block them from contacting you using your mobile phone settings. You could also complain to your mobile network provider (eg Telstra, Vodafone, TPG or Optus). Your provider may decide to send the cyberbully a warning letter or suspend their phone number or terminate their contract.

If the above does not resolve the problem and you continue to feel that you are being cyberbullied, you should obtain legal advice as soon as possible.

You should keep any evidence of cyberbullying. For example, record the dates and times of any harassing phone calls, or take a screenshot (or print) bullying messages or posts. Your legal adviser can then tell you whether the conduct is likely to be considered criminal. (It also helps prove who was the source of the bullying and its exact nature.)

In the first instance, your legal adviser may decide to write to the person or people involved telling them that their actions could be a crime and letting them know that you will consider going to the police if they do not desist in their conduct. Often, the issue of a letter from a law firm which sets out the potentially criminal nature of the conduct may prompt a perpetrator to re-think his or her actions.

Remedies for cyberbullying

When cyberbullying involves making comments about you or posting pictures which damage your reputation, you may be able to sue the cyberbully for defamation or take other legal action against the cyberbully to obtain an award of damages. You should obtain legal advice if you wish to pursue these actions.

If you are cyberbullied by way of unwelcome sexual attention, sexual threats or discriminatory comments made by someone at your workplace or educational institution, you may be able to complain to your state or territory anti-discrimination body or the Australian Human Rights Commission.

Consequences of cyberbullying

The consequences of cyberbullying can be very serious. In addition to possible criminal charges being laid, a cyberbully may need to answer to claims for compensation and / or defamation.

In addition to phone network providers and website administrators suspending or cancelling a user’s account, they may decide to report that user to the police.

Most education providers and workplaces have anti-bullying policies in place to deal with cyberbullying. Cyberbully workers or students may be dismissed, suspended or expelled.

If you or someone you know wants more information or needs help or advice, please contact us on 07 3281 6644 or email mail@powerlegal.com.au.

Top 6 Power of Attorney Questions

A Power of Attorney is a legal document that gives a trusted person, the legal authority to act for you, and to make legally binding decisions on
your behalf.

If you do not have a power of attorney then you should contact us and find out more. Below are 6 top questions dealing with Powers of Attorney:

Circumstances when a Power of Attorney is particularly useful:

  • to relieve yourself of the day to day demands of financial paperwork and record keeping;
  • as a safety net when travelling or to allow someone to handle your affairs in your
    absence;
  • to avoid burdening family or friends with the responsibility of looking after your affairs;
    or
  • if you are unable to manage your prosperity or financial affairs.

Does the Attorney need to be a lawyer?

Note that the person appointed does not need to have legal qualifications you can appoint anyone although the person appointed should be done with careful thought as you are providing them with considerable power.

An ideal attorney should:

  • have integrity;
  • be willing to act in that capacity;
  • have competence in areas of relevance;
  • be able to act in a business
  • like manner;
  • be able to spare the time necessary for the task;
  • live in the locality in which they are to act;
  • be agreeable to respecting the confidentiality of the donor’s affairs; and
  • be impartial and have no known conflict of interest.

Are there different types of Powers of Attorney?

Yes, a General Power of Attorney which is:

only valid while you have legal capacity;

useful if you are going away for an extended period and you do not want the authority
to continue should you lose legal capacity; and

usually drawn up for a specific purpose with specific or general powers.

And an Enduring Power of Attorney (EPA) which:

  • continues to be valid even if you lose legal capacity due to disability or illness;
  • may empower your attorney to make financial, property, lifestyle and health
    decisions;
  • may be activated when required or upon loss of legal capacity; and
  • allows your attorney to commence or to continue to manage your affairs even though
    you have become unable to give lawful instructions.

Is it better to have more than one attorney?

We recommend that you do have more than one Attorney as it gives you more flexibility.

Some examples to illustrate why it is helpful include siblings who should act together, or youare unsure if one should act on their own, or to allow the power to continue if one attorneydies or cannot act. This also applies if you appoint a spouse and a child as an alternative inthe event the spouse dies. You can also appoint attorneys to act “jointly” or “severally”.

Should I pay my attorney?

This is not necessary to give legal affect to the power, and for a financial power would normally only be considered if the attorney(s) is a professional.

How do I know if the person has sufficient mental capacity to
make a power of attorney?

There is no simple formula, but in general terms they must be able to:

  • under stand the major consequences of a decision;
  • take responsibility for making that choice; and
  • make a choice based on the risks and benefits that are important to them.

If there is any doubt about their capacity, it’s best to get in touch with their doctor and ask fora written opinion. Remember, different powers require different levels of understandings. If this is done it is wise to have us prepare the Power of Attorney on the same day as you get the medical report so there can be no subsequent claim that the appointment was invalid.

In our view not enough is known about Powers Of Attorney and the benefits they offer.

The need for a Power of Attorney can be numerous. In case of accident, sudden illness, planned or unexpected absence, or when you just can’t cope, you may need someone to manage your financial affairs. So it doesn’t matter if you are old or young, in business or not, if you do a lot of travelling or not, there are great benefits in having a power of attorney.

To find out more about Powers of Attorney and their benefits call us on (07) 3281 6644