I can't pay my debts
If you’re struggling with unmanageable debts and it’s causing you financial stress, it’s important you act quickly. Whether you’ve run into money troubles with unemployment, illness, a business or taking on too much debt – the first step in taking control of the situation is to ask for help.
There is help available. Financial counsellors offer free, independent and confidential services to discuss your situation and help you get back on track.
To speak with a financial counsellor contact the National Debt Helpline on 1800 007 007. This free hotline is open from 9:30am to 4:30pm Monday to Friday. There are also more tools and resources available online on the National Debt Helpline website.
For more information on financial counsellors and other support services see Where to find help.
Find information about where to go for help with your debt, budgeting and dealing with creditors.
If you’ve already spoken with a financial counsellor or just want to get some information on what formal insolvency options are available for you, we can provide you with information about:
Use our interactive tools and comparison tables to help understand which option could be the best for you.