Financial Freedom Forum - CLE Podcast

Welcome to the Financial Freedom Forum! This community education program is an empowering initiative brought to you through a collaborative effort by Legal Aid WA, Kimberley Community Legal Service, and Marra Worra Worra Aboriginal Corporation.
Our mission is to promote financial literacy, empower individuals, and foster economic well-being in the Fitzroy Valley. Join us as we provide valuable resources, expert guidance, and engaging discussions on money management, rights, and pathways to financial freedom.
Together, we can build a stronger, more financially empowered community. Listen now on Spotify
and check our Facebook page for updates.
- Episode 1 - Credit, debt, and ‘buy now, pay later’ schemes
- Episode 2 - Elder financial abuse
- Episode 3 - Buying a car
- Episode 4 - Financial scams
- Episode 5 - Financial counselling
- Episode 6 - Deceased estates
- Episode 7 - Superannuation
- Episode 8 - Property settlement
- Episode 9 - Garnishee orders
- Episode 10 - Fines and Infringements
- Episode 11 - Workplace rights
- Episode 12 - Centrelink debts and appealing decisions
- Episode 13 - Budgeting
- Episode 14 - Elder abuse
- Episode 15 - Gambling harm reduction
- Episode 16 - Us without abuse
- Episode 17 - Consumer rights
- Episode 18 - Understanding tax
- Episode 19 - Utilities
- Episode 20 - Insurance
- Episode 21 - Credit reports and scores
- Episode 22 - Financial abuse and separation
- Episode 23 - Legal pathways to resolve debt
- Episode 24 - Talking to debt collectors
Episode 1 - Credit, debt, and ‘buy now, pay later’ schemes
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Catch up on the first episode of Financial Freedom Freedom as aired on Wangki Yupurnanupurru Radio – it’s a community legal education podcast about financial matters for residents in the Fitzroy Valley, many of whom were impacted in January's record floods. This episode delves into credit and debt - and how to approach ‘buy now pay later’ schemes.
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Episode 1 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome)
Episode 2 - Elder financial abuse - THIS EPISODE IS TEMPORARILY UNAVAILABLE
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This episode features a crucial conversation on protecting our elders' financial well-being. Gain insights, wisdom and strategies to safeguard our elders from financial abuse.
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Episode 2 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome) with special guest:
- Annette Kogolo (Chairperson, Kimberley Aboriginal Law and Culture Centre)
Episode 3 - Buying a car
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Tune in as we navigate the ins and outs of purchasing your next vehicle. Buckle up for expert advice and savvy tips!
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Episode 3 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome) with special guest:
- Kevin Collard (Consumer Protection WA)
Episode 4 - Financial scams
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Join us as we uncover common scams, share warning signs, and provide tips to protect yourself and your finances. Stay informed, stay safe!
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Episode 4 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome)
Episode 5 - Financial counselling
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Learn more about Financial Counselling and discover how this helpful service can support you through money challenges and help you reach your financial goals. Tune in now and take the first step towards financial freedom!
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Episode 5 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome)
Episode 6 - Deceased estates
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This episode is about 'Deceased Estates'. Learn what happens to a person's belongings and money after they pass away, and how to handle these important matters.
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Episode 6 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome) with:
- Amelia Barclay (Lawyer, Kimberley Community Legal Services)
Episode 7 - Superannuation
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Our hosts dive into the essentials of superannuation. Learn what super is, why it’s important, and how you can make the most of it for a secure future. Plus, discover how financial counsellors can help you with your super questions!
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Episode 7 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome)
Episode 8 - Property settlement
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Property Settlements: whether you’re navigating a separation or just want to understand the process, this episode covers the essentials you need to know. Tune in now to learn about your rights and options in property settlements.
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Episode 8 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Amelia Barclay (Kimberley Community Legal Services)
Episode 9 - Garnishee orders
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This episode dives into the topic of Garnishee Orders – what they are, how they work, and what to do if you receive one.
Stick around until the end, as the episode will be translated into Kriol, Kukatja, Plain English, and Walmajarri.
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Episode 9 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Amelia Barclay (Kimberley Community Legal Services) with special guest:
- Jenna Hampton (Lawyer, Kimberley Community Legal Service)
Episode 10 - Fines and Infringements
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This episode dives into the important topic of Fines and Infringements – how they work, what to do if you're struggling to pay them, and the steps you can take to avoid further legal trouble.
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Episode 10 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Amelia Barclay (Kimberley Community Legal Services) with special guest:
- Ann-Margaret Walsh (Principal Solicitor, Street Law Centre WA)
Episode 11 - Workplace rights
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Workplace Rights - whether you’re starting a new job or dealing with an issue at work, this episode breaks down your rights as an employee and what to do if things go wrong.
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Episode 11 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Amelia Barclay (Kimberley Community Legal Services) with special guest:
- Michael Geelhoed (Senior Lawyer - Workplace, Circle Green Community Legal)
Episode 12 - Centrelink debts and appealing decisions
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Let’s talk about Centrelink Debts and Appealing Decisions. Learn what to do if you’ve been issued a Centrelink debt, how to appeal decisions you think are unfair, and where to find help and support.
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Episode 12 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Amelia Barclay (Kimberley Community Legal Services) with special guest:
- Rhea Thomas (Solicitor, Welfare Rights Advocacy Service)
Episode 13 - Budgeting
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Learn how to create a simple budget, manage your money better, and pick up practical tips to help you save, spend wisely, and plan for the future. It’s never too early or too late to take control of your finances!
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Episode 13 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Amelia Barclay (Kimberley Community Legal Services)
Episode 14 - Elder abuse
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This episode centre on Elder Abuse - what it is, how to recognize it, and what support is available for elders in our community.
Elder abuse can take many forms, including financial, emotional, and physical mistreatment. This episode breaks down the key signs and provides practical advice on how to support and protect our elders.
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Episode 14 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome) with special guest:
- Richard Willmot (Social Worker, Kimberley Community Legal Services)
Episode 15 - Gambling harm reduction
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In this episode, we dive into local research from Fitzroy Crossing, explore the real impact of gambling in the community, and share practical tips for staying in control.
Whether you or someone you know is affected, this episode offers support, understanding, and options for getting help.
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Episode 15 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome) with special guest:
- Terry Murray (Community Liaison, Marra Worra Worra Aboriginal Corporation)
Episode 16 - Us without abuse
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In this episode, hear yarns about the Us Without Abuse campaign.
Discover what abuse looks like, how it affects our families and communities, and what support is available for people going through it.
The episode keeps it simple — if someone is controlling your money or making you feel stuck, you’re not alone and help is out there.
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Episode 16 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome) with special guest:
- Amelia Barclay (Lawyer, Kimberley Community Legal Services)
Episode 17 - Consumer rights
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In this episode our hosts break down what your rights are when you buy something, what to do if a product doesn’t work, and how to get a refund, repair or replacement.
It’s simple, practical info that helps you stand up for yourself and your money.
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Episode 17 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome) with special guest:
- Ange Inns (Senior Regional Officer, Consumer Protection WA)
Episode 18 - Understanding tax
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What is tax? Why do we pay it? And where can you get help if you're feeling overwhelmed?
Listen in to this episode to hear the basics of tax in a simple and easy-to-understand way. Find out about free help available from the ATO, the Taxation Ombudsman, and local supports like financial counsellors.
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Episode 18 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome) with special guest:
- Ruth Owen (Inspector-General of Taxation and Taxation Ombudsman)
Episode 19 - Utilities
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What are utilities and what are the different types of help available if you're struggling to pay your bills?
Find out about the HUGS program, how to get support before disconnection, and where to go if you need to make a complaint or don't feel heard by your provider.
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Episode 19 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome)
Episode 20 - Insurance
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Hear about the basics of insurance – what it is, how it works, and the types of insurance most people might come across.
Our hosts talk about:
- Why insurance can protect you from big costs
- How to check what you’re covered for
- Who can help if something goes wrong
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Episode 20 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome)
Episode 21 - Credit reports and scores
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Ever wondered what a credit score is, or how it affects you? In this episode, Dylan and Sala break down:
- What a credit report is
- What makes up your credit score
- How to check your report for free
- How to fix errors
- Where to get help if something’s wrong
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Episode 21 is hosted by Dylan McCarthy (Legal Aid WA, Broome) and special guest Sala
Episode 22 - Financial abuse and separation
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When relationships break down, money matters can get complicated, especially when one person has controlled the finances.
This episode explores how financial abuse shows up in relationships, how the Family Law system can support victims, and where to turn for help.
Learn your rights, how to access legal and financial support, and why you’re not alone if you’re facing this situation.
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Episode 22 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome) with special guest:
- Nicole (Women's Legal Service WA))
Episode 23 - Legal pathways to resolve debt
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If you or someone you know is feeling overwhelmed by debt, there are options and support available. Tune in for a quick, clear, and judgment-free chat.
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Episode 23 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome) with special guest:
- Rowan Kelly (Senior Solicitor, Consumer Credit Legal Service WA)
Episode 24 - Talking to debt collectors
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Today’s guest presenter Courtney shares a wealth of experience in the debt collection industry, to unpack what really happens when a debt collector gets in touch.
They discuss key questions:
- Why might your debt be sold or referred to a collector?
- What are your rights and options?
- What support is available if you're struggling to pay?
Support is available, and knowledge is power when it comes to managing debt.
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Episode 24 is hosted by Marcel Sithole (Marra Worra Worra Aboriginal Corporation) and Dylan McCarthy (Legal Aid WA, Broome) and special guest Courtney



