FAQs
Straight answers to common questions.
Practical information about costs, how we work together and what to do when a dispute lands on your desk.
Pricing & costs
How much will it cost?
Most matters begin with our fixed-price starting point: from $749 for up to three hours of work. If your matter needs more, you'll get a clear estimate and the hourly rate before any extra work begins. No surprises.
What if my matter needs more than three hours?
You'll receive a clear estimate and the hourly rate before any further work begins, along with a plan for next steps. Nothing proceeds without your agreement.
Will I know the cost before you start?
Yes. You'll know exactly what the initial stage will cost before any work begins.
Working with R B Law
Do I need to come into an office?
No. At R B Law we appreciate the value of your time. All work is handled online or by telephone.
Will I deal directly with the lawyer?
Yes. As a sole practitioner, when you engage R B Law you deal directly with me, from your first call through to the final outcome.
Why do you ask for the other party's details?
Before R B Law can advise you, I need to complete a conflict check. A conflict check is a simple process that helps determine whether R B Law has previously advised the other party, or another party connected with the dispute, and is therefore unable to act for you.
Debts & demands
I've received a letter of demand. What should I do?
Receiving a letter of demand can be stressful, particularly when it threatens legal action or demands payment within a short timeframe. It is important not to ignore it or respond impulsively. A letter of demand is often the first step in a dispute, and how you respond can affect what happens next.
Early legal advice can help you understand the demand against you, avoid making the situation worse and identify the most cost-effective way forward. It may also prevent unnecessary court proceedings.
Someone owes me money. Is it worth chasing?
When someone owes you money, it can be difficult to know whether pursuing the debt is worthwhile. You may feel frustrated by the delay, concerned about the cost of taking action, or unsure whether the debtor has the ability to pay. You should obtain advice about the likely costs, prospects of success and enforcement options before commencing proceedings.
Is there a time limit to recover a debt?
Yes. There is a legal time limit for commencing a claim. The applicable limitation period depends on the nature of the debt, the agreement and the relevant State or Territory laws.
What is a statutory demand?
A statutory demand is a formal demand requiring a company to pay a debt within 21 days. If it isn't paid or set aside in time, the company can be presumed insolvent, which may lead to winding-up proceedings. Strict time limits apply, so seek advice straight away if you receive one.
What if the debtor can't pay?
A judgment is only valuable if it can be recovered, so the debtor's ability to pay is considered from the outset. Depending on the circumstances, options may include a payment plan, security for the debt, or enforcement action once judgment is obtained.
I'm being chased for a debt I don't owe. Can you help?
Yes. If a debt is disputed, incorrectly calculated or there are legitimate defences available, I can review the claim, respond on your behalf and work towards the most cost-effective resolution.
Insurance
My insurance claim was denied. Can I challenge it?
Often, yes. The first step is to review the policy wording, the insurer's reasons and the evidence. If the decision doesn't stand up, there may be grounds to have it reviewed or to pursue the claim further.
An insurer is chasing me for money. What should I do?
Don't ignore it, and avoid admitting liability before getting advice. Recovery claims brought by insurers can often be negotiated or defended, depending on the facts and the evidence.
How long do I have to dispute an insurer's decision?
Time limits apply to complaints and court proceedings, and they vary depending on the policy and the steps already taken. Get advice as soon as possible after receiving a decision so your options remain open.
What documents should I gather?
Your policy schedule and wording, the claim form, any correspondence with the insurer or loss adjuster, photos, quotes or reports, and the insurer's decision letter. These allow the decision to be assessed against the policy terms quickly.
Do I have to accept the loss adjuster's assessment?
Not necessarily. A loss adjuster's assessment isn't the final word. If you believe it undervalues your loss or misapplies the policy, there may be grounds to challenge it with further evidence or independent reports.
Commercial disputes
Do I need to go to court to resolve a dispute?
Not necessarily. Many disputes are resolved through correspondence, negotiation or mediation. Court is one option, and I'll help you weigh it against the alternatives.
What should I have ready for our first conversation?
Any contracts, invoices and correspondence, plus a short timeline of what's happened. Don't worry if it's incomplete. A brief summary is enough to begin, and I'll let you know if anything else is needed.
How long does a commercial dispute take to resolve?
It varies. Some matters resolve within weeks through correspondence or negotiation, while others take longer if proceedings are needed. You'll get a realistic view of timing at the outset and regular updates as things progress.
Can you help if proceedings have already started?
Yes. If you've been served with a claim or proceedings are already underway, get in touch as soon as possible. Court deadlines apply, and early advice gives you the most options.
Still have a question?
Every matter is different. Get in touch and I'll let you know where you stand, and what the first step will cost.
Ready to get started?
Tell us what's going on and we’ll be in touch at a time that suits you.