Phan Campbell & Associates

Call Website Contact the business

Phan Campbell & Associates The PCA Difference: All-Inclusive Accounting, Finance and Legal Solutions

The best time to agree on how you'll split is while you still agree.Many business partnerships start without a sharehold...
23/10/2026

The best time to agree on how you'll split is while you still agree.
Many business partnerships start without a shareholders or partnership agreement. That gap is where messy splits begin.
A good agreement answers the hard questions early.
• Who can buy a departing partner's share, and at what price
• How a deadlock between equal shareholders gets broken
• Whether a departing partner can set up next door and take your clients
Without these clauses, the negotiation can start from scratch at the worst possible moment.
In business with someone? Get the agreement in place now. Link in bio.
General information only, not legal advice.

A Section 32 tells you what must be disclosed. It doesn't tell you everything.In Victoria, the vendor statement must dis...
21/10/2026

A Section 32 tells you what must be disclosed. It doesn't tell you everything.
In Victoria, the vendor statement must disclose specific matters set by law. That includes planning zones and overlays, easements, covenants, owner builder work, outgoings, and notices or orders the vendor should reasonably know about.
It usually won't cover building quality, pest damage or a neighbour's plans. Contamination or future infrastructure may only show up if a formal notice or approved proposal exists. Buyers generally need to investigate these separately.
Buying in Victoria? Ask us to review the Section 32 before you rely on it. Link in bio.
General information only, not legal advice.

Your equipment is sitting with another business. If they go under, is it still yours?Ownership alone may not protect you...
19/10/2026

Your equipment is sitting with another business. If they go under, is it still yours?
Ownership alone may not protect you. The Personal Property Securities Register (PPSR) is the national register for security interests over business assets and goods. If you don't register and your customer becomes insolvent, other secured creditors may rank ahead of you, even though you supplied or owned the equipment.
This matters if you lease equipment, supply goods on retention of title, or place stock with another business.
Timing matters too. For some goods, registration must happen before delivery. For others, you may have only 15 business days after possession to secure the highest priority.
Supply on credit or leave machinery with customers? Speak with our commercial team. Link in bio.
General information only, not legal advice.

One line in the special conditions can cost a buyer tens of thousands.Special conditions are extra terms added to the co...
16/10/2026

One line in the special conditions can cost a buyer tens of thousands.
Special conditions are extra terms added to the contract of sale. Where they conflict with the general conditions, they usually take priority. Many buyers skip straight to the price and miss them.
They can change finance deadlines, building approval requirements, access, settlement dates, penalty rates and when the deposit is released. Some even let the vendor delay settlement by 30 days.
Buying or selling property? Have the special conditions reviewed before you sign, not at settlement. Link in bio.
General information only, not legal advice.

If we've asked for your ID lately, here's why.From 1 July 2026, every law firm in Australia must verify a client's ident...
14/10/2026

If we've asked for your ID lately, here's why.
From 1 July 2026, every law firm in Australia must verify a client's identity before acting on certain matters. It's part of the federal anti money laundering laws. We're not asking because we doubt you. We're asking because the law requires it.
You're most likely to notice it on the following matters.
• Buying, selling or settling property
• Buying or selling a business
• Trusts, SMSFs and company structures
For most people, it's a passport and a driver licence. For companies and trusts, we also need to know who owns or controls them.
Got a settlement date coming up? Tell us early and we'll make the checks a priority. What you provide is used only for verification and compliance, never for marketing.
Questions about what we'll need? Call (03) 8354 9541 or read our guide. Link in bio.

Your card surcharge has disappeared. What happens next?From 1 October 2026, businesses in Australia can no longer surcha...
08/10/2026

Your card surcharge has disappeared. What happens next?
From 1 October 2026, businesses in Australia can no longer surcharge customers for payments made using eftpos, Mastercard, Visa or American Express cards.
For businesses, the change goes beyond removing a line from the EFTPOS terminal. It may affect your pricing, merchant agreements, invoices, online checkout and customer facing terms.
In this issue of PCA Review, we look at:
What has changed
Who is affected
What the changes mean for your margins
What businesses should do now
If you are still charging a card surcharge, now is the time to review your payment arrangements and pricing structure.
Clear judgment. Progress that matters.

Separating a relationship is hard. Separating a jointly owned business at the same time is harder, because two areas of ...
31/08/2026

Separating a relationship is hard. Separating a jointly owned business at the same time is harder, because two areas of law collide.

The relationship runs through family law. The business runs through commercial and corporate law. Together they raise questions most people never think to ask. Who runs the business during the split. How it is valued. What the shareholder or partnership agreement already decides.

The exposure where personal and commercial meet. This closes our August series on the risks you do not see until they arrive.

Most bad debts are decided before the work even begins, by the terms you did or did not put in place.When you let a cust...
29/08/2026

Most bad debts are decided before the work even begins, by the terms you did or did not put in place.

When you let a customer pay later, you have handed them a loan. If they fall over, you are a creditor waiting at the back of the line. Get a signed credit application with the right legal entity, check it can pay, ask the directors to guarantee the debt, and register your interest on the PPSR.

The one exposure this month you control completely. Set the terms before the goods leave, not after the invoice is late.

Most tenants read the rent, the term and the start date, then sign. The clauses underneath are where the risk actually s...
28/08/2026

Most tenants read the rent, the term and the start date, then sign. The clauses underneath are where the risk actually sits.

Outgoings can add thousands a year on top of the rent. Make good can mean returning the space to bare shell when you leave. A personal guarantee puts your own assets behind the lease. An option to renew is only as strong as the special conditions attached to it.

The exposure you signed for without reading. A lease review now costs a fraction of a dispute later.

The ATO does not need to audit you to find a gap in your property records. It can see it from data it already holds.It r...
26/08/2026

The ATO does not need to audit you to find a gap in your property records. It can see it from data it already holds.

It receives information from state and territory revenue offices, land title registries, financial institutions, property managers and short stay platforms, then matches it against your return. Rental income gets checked against bond records going back to 2005. Capital gains against the sale. GST on new builds.

The exposure someone else can already see before you do. Good records are your answer when the question arrives.

Address

Level 1, Suite 12, 7-9 Leeds Street
Footscray
3011

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

Telephone

(03)83549541

Website

Alerts

Be the first to know and let us send you an email when Phan Campbell & Associates posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Phan Campbell & Associates:

Shortcuts

Share

Category