Table 9: Age profile by State

NSW

Bankruptcy

Debt Agreements

Part X

Non-business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Unemployment

234

469

556

557

418

111

365

283

166

62

0

1

6

4

7

Excessive use of credit

66

281

360

377

345

74

350

295

180

76

0

3

14

10

6

Liabilities on guarantees

3

20

31

52

47

1

1

3

2

1

0

0

2

2

1

Gambling or speculation

15

47

76

50

50

2

12

7

9

5

0

1

3

4

0

Domestic discord

30

177

280

140

45

26

98

112

65

18

0

1

2

2

1

Adverse litigation

21

40

86

74

54

1

0

1

3

0

0

0

1

1

4

Ill health

15

67

157

199

197

5

41

44

34

19

0

0

2

2

4

Other causes or not stated

14

97

221

217

463

0

1

1

0

0

0

4

13

7

7

Sub Total

398

1198

1767

1666

1619

220

868

746

459

181

 

10

43

32

30

Business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Lack of capital

0

7

18

15

20

2

4

3

2

1

0

0

1

0

0

Failure to keep proper books

1

6

14

3

12

0

0

0

0

0

0

0

0

0

0

Economic conditions

6

91

232

201

155

7

27

32

34

12

0

0

2

2

5

Personal reasons

1

18

44

43

26

0

5

6

8

5

0

1

2

2

1

Excessive drawings

0

5

29

16

13

0

4

6

3

1

0

0

1

0

1

Lack of business ability

6

16

33

24

23

1

2

0

2

1

0

0

2

1

0

Inability to collect debts

0

5

15

8

14

0

0

0

1

1

0

0

0

2

0

Excessive interest

1

22

21

24

29

0

0

7

3

0

0

0

0

0

1

Gambling or speculation

0

3

9

8

7

0

0

2

1

2

0

0

0

0

0

Seasonal conditions

0

3

9

7

2

0

0

1

0

1

0

0

0

2

0

Other causes/unknown

6

72

143

130

111

0

0

0

0

0

0

1

2

1

3

Sub Total

21

248

567

479

412

10

42

57

54

24

0

2

10

10

11

TOTAL

419

1446

2334

2145

2031

230

910

803

513

205

0

12

53

42

41

ACT

Bankruptcy

Debt Agreements

Part X

Non-business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Unemployment

8

6

8

7

2

9

16

10

1

0

0

0

0

0

0

Excessive use of credit

4

3

5

11

4

9

12

6

11

0

0

1

0

0

0

Liabilities on guarantees

0

1

0

0

0

0

0

0

0

0

0

0

0

0

0

Gambling or speculation

0

1

3

0

0

0

0

0

0

0

0

0

0

0

0

Domestic discord

1

4

10

5

1

1

10

3

2

0

0

0

0

0

0

Adverse litigation

0

0

2

4

2

0

0

0

0

0

0

0

0

0

0

Ill health

2

2

4

4

8

0

2

2

1

0

0

0

0

0

0

Other causes or not stated

1

1

5

4

10

0

0

0

0

0

0

0

0

0

0

Sub Total

16

18

37

35

27

19

40

21

15

0

0

1

0

0

0

Business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Lack of capital

0

0

0

0

2

0

0

0

0

0

0

0

0

0

0

Failure to keep proper books

0

1

0

0

1

0

0

0

0

0

0

0

0

0

0

Economic conditions

1

1

6

7

3

1

0

0

0

0

0

0

0

0

0

Personal reasons

0

1

1

1

2

0

0

0

0

0

0

0

0

0

0

Excessive drawings

0

3

2

1

3

0

0

0

0

0

0

0

0

0

0

Lack of business ability

0

1

1

0

2

0

0

0

0

0

0

0

0

0

0

Inability to collect debts

0

1

0

1

0

0

0

0

0

0

0

0

0

0

0

Excessive interest

0

1

0

0

1

0

0

0

1

1

0

0

0

0

0

Gambling or speculation

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Seasonal conditions

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Other causes/unknown

0

2

5

5

2

0

0

0

0

0

0

0

0

0

0

Sub Total

1

11

15

15

16

1

0

0

1

1

0

0

0

0

0

TOTAL

17

29

52

50

43

20

40

21

16

1

0

1

0

0

0

VIC

Bankruptcy

Debt Agreements

Part X

Non-business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Unemployment

109

274

322

286

209

83

242

173

93

40

0

3

1

9

3

Excessive use of credit

38

141

214

199

196

50

241

151

136

42

0

5

4

5

4

Liabilities on guarantees

2

11

38

38

24

0

0

1

1

0

0

0

1

2

2

Gambling or speculation

6

34

39

34

30

2

6

8

7

3

0

0

1

1

0

Domestic discord

23

122

162

101

45

15

79

71

37

7

0

0

4

0

0

Adverse litigation

9

23

28

30

31

3

2

1

0

1

0

0

0

1

0

Ill health

10

61

102

120

138

6

33

41

34

10

0

2

2

2

2

Other causes or not stated

6

48

99

103

293

0

0

0

0

0

0

2

7

5

5

Sub Total

203

714

1004

911

966

159

603

446

308

103

0

12

20

25

16

Business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Lack of capital

0

3

8

6

7

1

2

2

2

1

0

0

0

1

1

Failure to keep proper books

1

7

10

6

2

0

0

0

0

0

0

0

0

0

0

Economic conditions

3

32

113

101

71

7

16

24

16

7

0

0

5

9

4

Personal reasons

0

9

23

18

7

0

4

2

6

2

0

0

0

2

0

Excessive drawings

0

2

12

10

11

0

4

3

3

2

0

0

0

2

1

Lack of business ability

1

11

16

13

12

1

1

0

1

0

0

1

2

0

0

Inability to collect debts

0

6

9

8

2

0

0

0

0

0

0

0

2

1

1

Excessive interest

2

7

23

9

7

0

2

1

4

0

0

0

1

0

0

Gambling or speculation

0

2

4

7

4

0

0

0

0

0

0

0

0

1

0

Seasonal conditions

0

0

4

8

5

0

0

0

0

0

0

0

0

0

0

Other causes/unknown

6

30

76

76

51

0

0

0

0

0

0

0

5

5

5

Sub Total

13

109

298

262

179

9

29

32

32

12

0

1

15

21

12

TOTAL

216

823

1302

1173

1145

168

632

478

340

115

0

13

35

46

28

QLD

Bankruptcy

Debt Agreements

Part X

Non-business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Unemployment

210

377

401

367

246

149

372

230

162

54

0

3

3

2

1

Excessive use of credit

85

196

266

207

251

87

276

199

139

58

0

4

6

7

1

Liabilities on guarantees

1

12

25

28

27

1

0

1

0

0

0

0

1

0

1

Gambling or speculation

14

19

22

29

36

0

3

5

4

0

0

1

0

0

0

Domestic discord

29

133

186

110

52

30

106

87

40

7

0

0

1

1

1

Adverse litigation

12

25

38

35

39

1

0

2

0

0

0

1

0

1

0

Ill health

17

69

102

138

151

3

19

22

25

10

0

0

0

1

0

Other causes or not stated

13

59

149

114

268

0

0

0

0

0

0

1

2

4

3

Sub Total

381

890

1189

1028

1070

271

776

546

370

129

0

10

13

16

7

Business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Lack of capital

0

8

10

18

8

1

7

5

4

0

0

0

0

0

0

Failure to keep proper books

1

7

7

4

4

0

0

0

0

0

0

0

0

0

1

Economic conditions

7

112

253

247

197

6

25

33

16

8

0

1

4

11

9

Personal reasons

1

18

38

42

24

0

4

7

9

1

0

0

3

0

0

Excessive drawings

1

10

16

29

6

0

2

5

3

2

0

0

0

0

0

Lack of business ability

2

21

12

20

8

1

1

3

0

0

0

0

0

0

0

Inability to collect debts

0

7

14

12

14

0

0

1

1

1

0

0

1

0

0

Excessive interest

1

17

36

27

22

0

2

1

1

0

0

0

2

0

0

Gambling or speculation

1

2

6

4

2

0

0

0

1

0

0

0

0

0

0

Seasonal conditions

1

3

13

11

11

0

0

1

0

0

0

0

0

0

0

Other causes/unknown

13

78

151

150

102

0

0

0

0

0

0

2

2

3

0

Sub Total

28

283

556

564

398

8

41

56

35

12

0

3

12

14

10

TOTAL

409

1173

1745

1592

1468

279

817

602

405

141

0

13

25

30

17

SA

Bankruptcy

Debt Agreements

Part X

Non-business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Unemployment

49

99

127

112

88

14

57

30

15

8

0

0

0

0

0

Excessive use of credit

23

57

69

62

65

16

41

43

27

10

0

0

0

2

1

Liabilities on guarantees

0

1

2

6

7

0

1

0

0

0

0

0

0

0

0

Gambling or speculation

5

12

11

12

18

0

2

0

2

0

0

0

0

0

0

Domestic discord

9

50

57

30

12

3

14

15

4

2

0

0

0

0

0

Adverse litigation

5

10

13

20

13

0

0

0

0

0

0

0

0

0

0

Ill health

4

30

33

39

55

1

6

2

2

2

0

0

2

1

0

Other causes or not stated

0

7

10

32

62

0

0

0

0

0

0

0

0

0

0

Sub Total

95

266

322

313

320

34

121

90

50

22

0

0

2

3

1

Business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Lack of capital

0

1

4

4

5

0

0

1

0

0

0

0

0

0

0

Failure to keep proper books

1

0

3

3

1

0

0

0

0

0

0

0

0

0

0

Economic conditions

4

13

33

32

36

0

1

10

4

0

0

0

0

0

0

Personal reasons

0

2

12

6

2

0

0

1

1

0

0

0

0

0

0

Excessive drawings

0

0

8

5

0

1

2

0

0

0

0

0

0

0

2

Lack of business ability

2

0

9

6

4

0

0

0

0

0

0

0

0

0

0

Inability to collect debts

0

1

1

2

6

0

0

0

0

0

0

0

0

0

0

Excessive interest

0

2

0

11

7

0

0

0

0

0

0

0

0

0

0

Gambling or speculation

0

2

2

2

1

0

0

0

0

0

0

0

0

0

0

Seasonal conditions

0

0

3

2

1

0

0

0

0

0

0

0

0

0

0

Other causes/unknown

1

19

35

31

21

0

0

0

0

0

0

0

0

0

0

Sub Total

8

40

110

104

84

1

3

12

5

0

0

0

0

0

2

TOTAL

103

306

432

417

404

35

124

102

55

22

0

0

2

3

3

NT

Bankruptcy

Debt Agreements

Part X

Non-business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Unemployment

2

8

6

4

6

3

9

2

1

0

0

0

0

0

0

Excessive use of credit

2

3

8

2

5

4

8

5

7

1

0

0

0

0

0

Liabilities on guarantees

0

0

1

1

0

0

0

0

0

0

0

0

0

0

0

Gambling or speculation

0

0

0

1

0

0

0

0

0

0

0

0

0

0

0

Domestic discord

1

2

2

1

0

1

5

1

2

0

0

0

1

0

0

Adverse litigation

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Ill health

1

0

3

3

2

0

0

1

0

0

0

0

0

0

0

Other causes or not stated

0

0

3

6

7

0

0

0

0

0

0

0

0

0

0

Sub Total

6

13

23

18

20

8

22

9

10

1

0

0

1

0

0

Business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Lack of capital

0

0

0

1

0

0

0

0

0

0

0

0

0

0

0

Failure to keep proper books

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Economic conditions

0

0

1

4

2

0

0

0

0

0

0

0

0

0

0

Personal reasons

0

0

1

0

0

1

0

0

1

0

0

0

0

0

0

Excessive drawings

0

2

0

1

1

0

0

0

0

0

0

0

0

0

0

Lack of business ability

0

1

0

1

1

0

1

1

0

0

0

0

0

0

0

Inability to collect debts

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Excessive interest

0

0

0

1

1

0

0

0

0

0

0

0

0

0

0

Gambling or speculation

0

0

0

1

0

0

0

0

0

0

0

0

0

0

0

Seasonal conditions

0

0

0

1

0

0

0

0

0

0

0

0

0

0

0

Other causes/unknown

0

3

4

0

2

0

0

0

0

0

0

0

0

0

0

Sub Total

0

6

6

10

7

1

1

1

1

0

0

0

0

0

0

TOTAL

6

19

29

28

27

9

23

10

11

1

0

0

1

0

0

WA

Bankruptcy

Debt Agreements

Part X

Non-business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Unemployment

55

104

99

97

60

52

112

57

36

12

0

0

2

1

1

Excessive use of credit

19

48

61

75

77

23

61

61

26

11

0

1

2

5

0

Liabilities on guarantees

0

2

7

7

2

0

0

0

0

0

0

0

0

1

0

Gambling or speculation

6

4

4

8

10

1

0

1

0

0

0

0

0

0

0

Domestic discord

11

41

68

28

14

11

36

28

15

5

0

1

1

0

0

Adverse litigation

1

8

7

5

8

0

0

0

1

0

0

0

1

1

0

Ill health

5

16

45

44

50

3

7

7

10

6

0

0

2

0

2

Other causes or not stated

3

19

31

41

79

0

0

0

0

0

0

2

5

6

1

Sub Total

100

242

322

305

300

90

216

154

88

34

0

4

13

14

4

Business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Lack of capital

0

3

5

1

5

1

0

2

0

0

0

0

0

0

0

Failure to keep proper books

0

2

6

1

2

0

0

0

0

0

0

0

1

1

0

Economic conditions

4

17

74

66

57

1

13

7

7

1

0

0

10

5

2

Personal reasons

1

9

14

15

7

1

0

0

0

0

0

0

0

2

1

Excessive drawings

1

7

11

2

3

0

1

1

0

1

0

0

0

0

1

Lack of business ability

0

12

9

9

6

0

2

0

0

0

0

1

1

0

0

Inability to collect debts

0

1

2

2

2

0

1

0

0

0

0

0

0

0

0

Excessive interest

0

3

9

12

14

0

0

4

0

0

0

0

2

0

1

Gambling or speculation

0

0

1

1

1

0

0

0

0

0

0

0

0

0

0

Seasonal conditions

0

3

1

0

1

0

0

0

0

0

0

0

0

0

0

Other causes/unknown

2

17

31

46

22

0

0

0

0

0

0

0

2

2

1

Sub Total

8

74

163

155

120

3

17

14

7

2

0

1

16

10

6

TOTAL

108

316

485

460

420

93

233

168

95

36

0

5

29

24

10

TAS

Bankruptcy

Debt Agreements

Part X

Non-business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Unemployment

43

65

80

53

32

15

33

41

25

3

0

0

0

0

0

Excessive use of credit

14

21

34

27

29

12

35

23

16

9

0

0

2

3

0

Liabilities on guarantees

2

0

2

3

2

0

1

1

0

0

0

0

0

0

0

Gambling or speculation

2

10

7

5

1

0

0

1

1

0

0

0

0

0

0

Domestic discord

2

29

33

17

6

3

13

17

4

2

0

0

0

0

0

Adverse litigation

1

2

7

5

3

0

0

0

0

0

0

0

0

0

0

Ill health

3

7

13

15

17

1

9

8

9

7

0

0

1

0

0

Other causes or not stated

2

4

12

5

17

0

0

0

0

0

0

0

0

0

0

Sub Total

69

138

188

130

107

31

91

91

55

21

0

0

3

3

0

Business related

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

<25

25-34

35-44

45-54

>54

Lack of capital

0

4

2

2

1

0

0

0

0

0

0

0

0

0

0

Failure to keep proper books

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Economic conditions

1

6

14

19

11

1

2

4

1

0

0

0

0

0

0

Personal reasons

0

0

3

8

0

0

1

0

0

0

0

0

0

0

0

Excessive drawings

0

1

1

1

0

0

0

0

0

0

0

0

0

0

0

Lack of business ability

0

0

3

1

0

0

0

0

0

0

0

0

0

0

0

Inability to collect debts

0

2

0

0

0

0

0

0

0

0

0

0

0

0

0

Excessive interest

0

0

0

0

0

0

0

0

0

0

0

0

1

0

0

Gambling or speculation

0

0

0

0

1

0

0

0

0

0

0

0

0

0

0

Seasonal conditions

0

0

0

0

0

0

1

0

2

0

0

0

0

0

0

Other causes/unknown

0

7

3

8

8

0

0

0

0

0

0

0

0

0

0

Sub Total

1

20

26

39

21

1

4

4

3

0

0

0

1

0

0

TOTAL

70

158

214

169

128

32

95

95

58

21

0

0

4

3

0