Personal Insolvency Professionals Association

PIPA Annual Conference
2021-12-07 10:00 - 2023-12-07 16:00 (Australia/Melbourne) | Online
Theme: Post Covid Economic Recovery

Download the 2021 Annual Virtual Conference PDF Here.

Particularly in relation to those debtors who are suffering unemployment / reduced hours.
How do we address the problem and what is the solution in relation to insolvency?
Date: Tuesday 7th December 2021
Topics:

Where does the future lie for debt agreements?

Moderator: Sophie Elsworth, Journalist, The Australian
Opening Speech: Senator the Hon Amanda Stoker, Assistant Minister to the Attorney-General
PIPA board member, Ben Paris, DCS Group, Director
Cat Newton, Consumer Action, Senior Policy Officer

Financial Literacy – general populous education

Alexander Hassall, Your Financial Wellness, Founder

Small business restructuring – a guide to the process

Andrew Bowcher, RSM, Partner

Financial Councillors – the role they play in the insolvency sector

Jon O’Mally, Financial Counsellors’ Association of Queensland, Executive Officer

Economic Update for 21/22

David Plank, ANZ Research, Head of Australian Economics

Debt Management Firms / Impact of new ASIC credit licensing rules

Liam Hennessy, Gadens Lawyers, Partner
Cameron Jones, Gadens Lawyers, Graduate

AFSA update on personal insolvency statistics

Ignatius McBride, AFSA, Director of Data Analytics
Mark Findlay, AFSA, Director of Practitioner Supervision

ATO/Discussion on recovery of outstanding

Murray Grayburn, Debt Assist, Director

Closing discussion – debate topic: “The effect on mental health”

Moderator: Sophie Elsworth, Journalist, The Australian
Opening Speech: Greg Hunt MP, Federal Health Minister
The panel includes:

PIPA Board member, Richard Symes, Credit Repair Director
John Winter, ARITA, Director
Andrew Bowcher, RSM, Partner
Mark Findlay, AFSA, Director of Practitioner Supervision
Andrew Spring, Jirsch Sutherland, Partner
Patrice O’Brien, Beyond Blue, Chief Community Officer

After each topic, there is time allocated for live Q&A sessions.
PIPA Board Members:

Chairman, Murray Grayburn, Debt Assist, Director
Secretary, Ben Paris, DCS Group, Director
Richard Symes, Credit Repair, Director
Melissa Glenn, Lanyana Financial Group, Relationship Manager
Jasmyn Mumme, Active Debt Specialists, Managing Director

PIPA is proud to announce their chosen charity for the 2021 conference is Beyond Blue
Beyond Blue has recently developed a free program called NewAccess for small businesses and sole traders.
PIPA encourages you to get involved – learn more about mental health coaching support specifically designed for personal insolvency industry professionals and sole traders…
What is NewAccess?
NewAccess for Small Business Owners
NewAccess for Small Business Owners is a free and confidential mental health coaching program, developed by Beyond Blue to give small business owners, including sole traders the support they need.
The program uses Low-intensity Cognitive Behavioural Therapy (LiCBT) that allows participants to recognise the way they think, act, and feel and break unhelpful thoughts.
Over six sessions, coaches with a small business background will work with you to overcome difficult issues, providing you with practical skills to manage stress and get you back to feeling like yourself.
At your first appointment your coach will complete an initial assessment with you, and develop a program tailored to your individual needs.
NewAccess for Small Business Owners is available nationally by phone or video call.
Donate to Beyond Blue Today – see PIPA link below

How long are director’s liable for a company debt by RSM - FREE to PIPA members
2021-11-11 12:30 - 13:00 | Online
“I have a client who is a business owner how do they become liable for Australian Taxation Office (ATO) debt and what other liabilities are they liable for?”
Andrew and Tim will address the effect on:

Sole Traders
Non-incorporated partnerships
Company Directors
Companies acting as trustees

Andrew Bowcher, RSM Partner – Wagga Wagga
Member Profile Here
Andrew Bowcher is a Partner of the Restructuring and Recovery division who’s passion and main drive is to achieve commercial and practical results for his clients that alleviate the pressure of debt difficulties.
Andrew Bowcher is a Partner of RSM Australia Partners and a Director of RSM Australia Pty Ltd.
With a strategic and responsive approach, Andrew delivers considered solutions to complex situations.
His experience in assisting clients reach their goals and aspirations is a result of Andrew’s commitment to working closely with both businesses and individuals who are experiencing financial, operations and governance challenges.
“To help someone or to solve a complex problem one must actively listen, show empathy and clearly communicate. Only when this occurs will progress be made.”
As an active community member, Andrew has worked closely with a wide range of clients across different industries from local, small family businesses, to large, complex bank appointments and government consulting in the Riverina-Murray regions and wider-Australia area. Andrew continues to consistently deliver results to help his clients recover and rebuild.
In his spare time, Andrew enjoys an active lifestyle by participating in multiple sports and spending downtime with his family.
Registrations

Registered liquidator
Registered trustee
Certified fraud examiner

Qualifications

Bachelor of Business (Accountancy)
Diploma of Company Directorship
Graduate Diploma in Company Secretarial Practice

Tim Gumbleton FCA, RSM Principal – Mid-North Coast NSW
Tim Gumbleton is widely sought out to assist businesses and individuals struggling with too much debt to find solutions to restore solvency or in some cases, close the business with as little complication and risk as possible.
Tim’s role sees him travel throughout the regions guiding individuals and businesses out of financial difficulty, providing insolvency and associated debt solutions, resolving disputes that arise in business, undertaking corporate reviews, investigations and improving the governance and financial performance of not-for-profit organisations, Indigenous Corporations, Registered Clubs and various other community-controlled entities.
Tim has been employed in the accounting and insolvency profession continuously since he left university, having commenced his career with a small firm in Canberra before moving to RSM in 2008.
“From an early age, I was surrounded by Clubs and not-for-profit organisations, agribusiness, and also the culture and heritage of growing up in a small country town in Western NSW that was once also the site of an Aboriginal mission. As such, I am uniquely positioned to pursue improved outcomes for Indigenous businesses, Clubs, and not-for-profit organisations that may not be functioning as well as they could. My role is at times the difference between a business continuing or closing forever.”
Tim comes from a rural background and has spent a lot of time working on farms. One of his most memorable roles to date was his three-year stint during University holidays working with Bartters Enterprises,(which is now better known as Baiada/Steggles). For those that have stepped foot in those sheds with 10,000 hens and 2,000 roosters will attest, Tim finds his office job a bit easier!
To his clients and wider network, Tim is recommended for his independent and pragmatic advice, including his demonstrated ability to resolve disputes, develop and implement complex debt solutions and manage sensitive and commercial financial and governance issues.
Tim is often sought out to resolve commercial and business disputes and in the past has been labelled a “corporate umpire”. Perhaps then it is not surprising that in his spare time, Tim also umpires cricket in the NSW Premier Cricket Competition in Sydney!
In his spare time, Tim is a major sports fanatic who enjoys cricket, basketball, golf, tennis, AFL, and Rugby (just to name a few!).
SOLUTIONS TIM PROVIDES
Organisational reviews and developing remedial action plans
Corporate and Personal Insolvency including both voluntary (debtor initiated) and creditor initiated appointments such as liquidations, voluntary administrations, and receiverships
Amalgamations and associated transition plans
Special Administrations under the CATSI Act
Funds Administration and Grant Controller roles
Capacity building, including restructuring organisations and implementing new governance models
Investigations, examinations, fraud and forensic accounting
Mentoring, business plans, and due diligence
SIGNIFICANT PROJECTS
Tim has worked extensively throughout Australia across a wide range of sectors, including helping clients in metropolitan, regional, and exceptionally remote areas. This has included Cape York, North Queensland, Western Australia, Victoria, and smaller communities within New South Wales.
One major project was with a Government Department to restructure and turnaround an Indigenous Health Service in a remote Indigenous community in Cape York (QLD). This project period was in excess of 12 months and culminated in the restoration of Government funding, sound operations, and strong governance. Tim spent weeks at a time in the community and had the opportunity to participate in community activities including touch football and Christmas celebrations.
Professional Associations

Fellow, Chartered Accountants Australia and New Zealand
NSW ILGA Recognised Insolvency Practitioner
Member, Australian Restructuring Insolvency and Turnaround Association
Chairperson and Independent Member of Wagga Wagga City Council’s Audit and Risk Committee 2012-2017
CA Country Chair Riverina 2009-2014
Member, Personal Insolvency Professionals Association (PIPA)
Director, Wagga RSL Club Limited 2017-2019
Director and Treasurer of the Wagga Wagga Business Chamber 2009-2011

Qualifications

Bachelor of Commerce, Accounting (University of Canberra)
Chartered accountant
Registered liquidator

Bankruptcy Services by RSM - FREE to PIPA members
2021-06-22 12:00 - 12:30 | Online
This live presentation will assist those advisors who come across people who are needing to enter into Bankruptcy. Andrew and Tim will provide a practical overview on how bankruptcy impacts a bankrupts property, employment, income and superannuation.
Andrew Bowcher, RSM Partner – Wagga Wagga
Member Profile Here
Andrew Bowcher is a Partner of the Restructuring and Recovery division who’s passion and main drive is to achieve commercial and practical results for his clients that alleviate the pressure of debt difficulties.
Andrew Bowcher is a Partner of RSM Australia Partners and a Director of RSM Australia Pty Ltd.
With a strategic and responsive approach, Andrew delivers considered solutions to complex situations.
His experience in assisting clients reach their goals and aspirations is a result of Andrew’s commitment to working closely with both businesses and individuals who are experiencing financial, operations and governance challenges.
“To help someone or to solve a complex problem one must actively listen, show empathy and clearly communicate. Only when this occurs will progress be made.”
As an active community member, Andrew has worked closely with a wide range of clients across different industries from local, small family businesses, to large, complex bank appointments and government consulting in the Riverina-Murray regions and wider-Australia area. Andrew continues to consistently deliver results to help his clients recover and rebuild.
In his spare time, Andrew enjoys an active lifestyle by participating in multiple sports and spending downtime with his family.
Registrations

Registered liquidator
Registered trustee
Certified fraud examiner

Qualifications

Bachelor of Business (Accountancy)
Diploma of Company Directorship
Graduate Diploma in Company Secretarial Practice

Tim Gumbleton FCA, RSM Principal – Mid-North Coast NSW
Tim Gumbleton is widely sought out to assist businesses and individuals struggling with too much debt to find solutions to restore solvency or in some cases, close the business with as little complication and risk as possible.
Tim’s role sees him travel throughout the regions guiding individuals and businesses out of financial difficulty, providing insolvency and associated debt solutions, resolving disputes that arise in business, undertaking corporate reviews, investigations and improving the governance and financial performance of not-for-profit organisations, Indigenous Corporations, Registered Clubs and various other community-controlled entities.
Tim has been employed in the accounting and insolvency profession continuously since he left university, having commenced his career with a small firm in Canberra before moving to RSM in 2008.
“From an early age, I was surrounded by Clubs and not-for-profit organisations, agribusiness, and also the culture and heritage of growing up in a small country town in Western NSW that was once also the site of an Aboriginal mission. As such, I am uniquely positioned to pursue improved outcomes for Indigenous businesses, Clubs, and not-for-profit organisations that may not be functioning as well as they could. My role is at times the difference between a business continuing or closing forever.”
Tim comes from a rural background and has spent a lot of time working on farms. One of his most memorable roles to date was his three-year stint during University holidays working with Bartters Enterprises,(which is now better known as Baiada/Steggles). For those that have stepped foot in those sheds with 10,000 hens and 2,000 roosters will attest, Tim finds his office job a bit easier!
To his clients and wider network, Tim is recommended for his independent and pragmatic advice, including his demonstrated ability to resolve disputes, develop and implement complex debt solutions and manage sensitive and commercial financial and governance issues.
Tim is often sought out to resolve commercial and business disputes and in the past has been labelled a “corporate umpire”. Perhaps then it is not surprising that in his spare time, Tim also umpires cricket in the NSW Premier Cricket Competition in Sydney!
In his spare time, Tim is a major sports fanatic who enjoys cricket, basketball, golf, tennis, AFL, and Rugby (just to name a few!).
SOLUTIONS TIM PROVIDES
Organisational reviews and developing remedial action plans
Corporate and Personal Insolvency including both voluntary (debtor initiated) and creditor initiated appointments such as liquidations, voluntary administrations, and receiverships
Amalgamations and associated transition plans
Special Administrations under the CATSI Act
Funds Administration and Grant Controller roles
Capacity building, including restructuring organisations and implementing new governance models
Investigations, examinations, fraud and forensic accounting
Mentoring, business plans, and due diligence
SIGNIFICANT PROJECTS
Tim has worked extensively throughout Australia across a wide range of sectors, including helping clients in metropolitan, regional, and exceptionally remote areas. This has included Cape York, North Queensland, Western Australia, Victoria, and smaller communities within New South Wales.
One major project was with a Government Department to restructure and turnaround an Indigenous Health Service in a remote Indigenous community in Cape York (QLD). This project period was in excess of 12 months and culminated in the restoration of Government funding, sound operations, and strong governance. Tim spent weeks at a time in the community and had the opportunity to participate in community activities including touch football and Christmas celebrations.
Professional Associations

Fellow, Chartered Accountants Australia and New Zealand
NSW ILGA Recognised Insolvency Practitioner
Member, Australian Restructuring Insolvency and Turnaround Association
Chairperson and Independent Member of Wagga Wagga City Council’s Audit and Risk Committee 2012-2017
CA Country Chair Riverina 2009-2014
Member, Personal Insolvency Professionals Association (PIPA)
Director, Wagga RSL Club Limited 2017-2019
Director and Treasurer of the Wagga Wagga Business Chamber 2009-2011

Qualifications

Bachelor of Commerce, Accounting (University of Canberra)
Chartered accountant
Registered liquidator

ARITA - QLD Division Conference & Dinner
2021-06-15 | W Brisbane, 81 North Quay, Brisbane, QLD, 4000, Australia
The half-day conference is designed for senior practitioners to stay up to date with developments, as well as sharing industry best practice, followed by networking opportunities at the Dinner with pre-drinks and a three course meal.
Conference sessions
To be announced soon.
Event details
Date: Tuesday, 15 June 2021
Venue: W Brisbane – 81 North Quay, Brisbane, Queensland 4000.
Rates to attend

All prices include GST
Member
Non-member

Conference
$232
$381

Dinner ticket
$258

Dinner Guest Ticket
$258

Table of 10
$2,369

CPE
Up to 3 CPE hours (TBC once full program finalised)
COVID-safe and booking with confidence
We know that the world has changed and there is always going to be uncertainty around events in the age of a pandemic, so here is our approach to making this work:

The event will be fully COVID-safe and compliant above and beyond any basic government health requirements to do what we reasonably can to protect your health and safety and that of all attendees. That will include appropriate social distancing and other measures.
COVID cancellation: if the event is cancelled or has to be moved due to COVID issues, we will offer you a full refund.
If you’re unwell we will offer a cancel-on-the-day refund. It’s in everyone’s interest to ensure anyone who feels unwell stays away from events, so we will offer you a full refund if you are showing any COVID-like symptoms with no questions asked.

AICM - UNDERSTANDING FINANCIAL HARDSHIP
2021-06-10 12:30 - 16:30
This virtual class will provide you with a real world back drop to understand how these complex topics translate into your role. It is designed to provide you with the opportunity to learn from others and on returning to the office with documents to implement dependent on the situation.
Topics Covered:

What is financial hardship?
What options are available,
How to formulate your in-house procedures,
The timeframes for your in-house processes,
When and how would you say ‘No’,
The National Hardship Register.

Takeaway:

The understanding of hardship situations,
How this will impact your customer and your organisation,
How this applies to your workplace and in-house procedures.

To access the virtual classrooms, all you need is a device with internet, audio and preferably video capability e.g. a Smartphone, laptop or PC.
The virtual classrooms will deliver the same content and structure with the following modifications to maximise interaction with the facilitator and participants:

Sessions limited to 10 participants
Additional breaks, so you can refresh and stretch
Additional time and support for those attending a virtual classroom for the first time.

Don’t forget this means you can attend the sessions from the comfort of your business or home office.

AICM - COLLECT WITH CONFIDENCE
2021-06-09 12:30 - 16:30
Credit Toolbox courses are a unique opportunity to learn and refresh on the fundamentals of Credit Management from Credit Professionals with extensive real world experience.
The courses have been designed by the AICM’s most experienced Credit Management Trainer to ensure all courses cover the fundamentals required to understand what and why credit professionals do what they do.
This virtual class will enable new and experienced Credit Professionals to be proficient in the topics such as;

Making the call
Documentation
Securities
When, why and how to make a call
Best practice for all call types.

To access the virtual classrooms, all you need is a device with internet, audio and preferably video capability e.g. a Smartphone, laptop or PC.
The virtual classrooms will deliver the same content and structure with the following modifications to maximise interaction with the facilitator and participants:

Sessions limited to 10 participants
Additional breaks, so you can refresh and stretch
Additional time and support for those attending a virtual classroom for the first time.

Don’t forget this means you can attend the sessions from the comfort of your business or home office.

ARITA - NSW/ACT Division Conference & Dinner
2021-06-07 10:30 - 17:40 | Hyatt Regency Sydney, 161 Sussex Street, Sydney, NSW, 2000, Australia
NSW/ACT Division Conference & Dinner
The full-day conference is designed for senior practitioners to stay up to date with developments, as well as sharing industry best practice, followed by networking opportunities at the Dinner with pre-drinks and a three course meal.
Conference sessions
To be announced soon.
Event details
Date: Monday, 7 June 2021
Venue: Hyatt Regency Sydney, 161 Sussex Street, Sydney NSW 2000
Timings: Registration from 10:00 am
Conference from 10:30 am – 5:40 pm
Pre-dinner drinks from 5:40 pm
Dinner (three course sit down meal) from 6:50 pm

Networking dinner: Book an individual ticket or a table of 10 and invite clients at the popular networking dinner.
Rates to attend

All prices include GST
Member
Non-member

Conference
$555
$758

Dinner ticket
$258

Dinner Guest Ticket
$258

Table of 10
$2,369

CPE
Up to 6 CPE hours (TBC once full program finalised)

COVID-safe and booking with confidence
We know that the world has changed and there is always going to be uncertainty around events in the age of a pandemic, so here is our approach to making this work:

The event will be fully COVID-safe and compliant above and beyond any basic government health requirements to do what we reasonably can to protect your health and safety and that of all attendees. That will include appropriate social distancing and other measures.
COVID cancellation: if the event is cancelled or has to be moved due to COVID issues, we will offer you a full refund.
If you’re unwell we will offer a cancel-on-the-day refund. It’s in everyone’s interest to ensure anyone who feels unwell stays away from events, so we will offer you a full refund if you are showing any COVID-like symptoms with no questions asked.

RSM - Federal Budget 2021-22
2021-05-12 13:00 - 14:00
Within hours of the 2021-22 Federal Budget being tabled in Parliament, learn how the measures will shape the year ahead for yourself, your business, or organisation in RSM’s Federal Budget webinar.
Our panel of experts will discuss the challenges and opportunities for Australians as we emerge from the impacts of COVID-19 and enter the next phase of Government stimulus.
This webinar will be an interactive panel discussion.
Hear from our speakers as they analyse the budget’s business, economic, taxation, and political implications as Australia carefully navigates our path to recovery.

While the country is not out of crisis we can “see the light at the end of the tunnel”, according to Treasurer Josh Frydenberg.
