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Victor is an elderly person (aged 63) with medical complications, with no prospects of returning to work. He currently receives a Centrelink Disability Pension and a small Insurance payment ($26,000 per year). He has unsecured debts of $22,000.
Stacey is a single parent with 2 school children. She currently a licensed Real Estate agent working a full-time commission basis and receives on average $72,000 per year after tax. She has unsecured debts of $102,000.