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Who we help

Farmers and creditors

Farm debt mediation

Under the Farm Debt Mediation Act 2011 (the Act), farmers and creditors can access mediation for the efficient and fair resolution of farm debt disputes. At mediation, an impartial and experienced mediator helps the farmer and creditor to negotiate and reach agreement about current and future farm debt arrangements, without the need for court.

Farm debt mediation is voluntary, confidential, quick and low-cost. It is compulsory for banks and other creditors to offer mediation to farmers before starting debt recovery on farm mortgages.

How we can help

The Victorian Small Business Commission offers farmers and creditors early help, which includes giving both parties guidance on their rights and obligations in relation to farm debt mediation, giving farmers information on available supports, appointing mediators and arranging mediation sessions.

Changes to the Farm Debt Mediation Act 2011

A number of significant changes to the Act were made to strengthen farmers’ rights to farm debt mediation, streamline the process and align aspects of the legislation with other states. These changes came into effect on 31 October 2022.

More information

For more information, including on how to initiate mediation:


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