This may not apply to your mate, but Paul Clitheroe made an...

This may not apply to your mate, but Paul Clitheroe made an interesting suggestion which was that in some cases you're better off not accessing you super to pay down debt. If it looks like you're going to go bankrupt regardless of whether you access your super or not, then its better to go bankrupt first because they can't touch your super in a bankrupcy.

I wonder sometimes whether the Rudd government would be better off providing some quality free financial advice to people who are in financial trouble.