. A couple present to your service in distress, they hand you a card from a sheriff's office. Bill explains their circumstances changed after an injury to his back while he was playing football. He states he has been unable to work for the past two months and is not certain how long he will take to recover. Bill said he works in the landscape industry, which is physical work. The couple have been reliant on Centrelink Income since the injury. The couple have a car loan with a Finance Company, which is in both names. The car is worth $7,000.00 and the balance of the loan is $11,200.00. Denise is the only driver of the car. Bill has his own ute which they own outright. They have missed three.

Develop an advocacy letter for a client requesting hardship for a Consumer Loan or Lease considering the Australian Consumer Law (ACL) 2. Identify 5 other advocacy resources that can be used in a financial counselling context. Use the information below and the criteria listed on the assessment checklist to guide your responses