Where can I find help?

Talk to a financial counsellor
If you're in financial difficulty you may consider talking to a financial counsellor. Financial counsellors work in community organisations and may offer free, independent and confidential services.

Contact other support services
Find a list of services that can help you understand your options.

Video: Unmanagable debt - Where do I find help?

What are my options?

Declaration of intention (DOI)
Can give you 21 days of relier from creditors whilst you consider your options.

Bankruptcy
Can release you from most debts, provide relief and allow you to make a fresh start.

Debt agreements & other agreements
A debt agreement can be a flexible way to come to an arrangement to settle debts without becoming bankrupt.

Video: Unmanagable debt - Compare your options

What are the consequences?

Although these options can provide relief, there are consequences that may affect you.

Find out the consequences for:

Video: Bankruptcy - Consequences of Bankruptcy