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If you’re facing personal financial problems, it’s important to know where to go for help that you can trust. That means speaking to an independent advisor who can give you options, and help you make the right decisions for your situation.
In your search for debt and bankruptcy help or information about debt consolidation, you may come across unregulated, unlicensed advisers. Some advisors provide untrustworthy advice, purposely targeting vulnerable people in times of financial crisis and pressure.
Don’t be caught off guard, learn how to identify signs of dodgy debt advice. Remember, if it sounds too good to be true, it probably is.
If you are in debt and need help to work out what to do, there are a number of options available to you. For more information about informal options see Dealing with debt or for information about your formal insolvency options see What are my options?.
You can also get help by speaking to a free financial counsellor. Financial counsellors offer free, independent and confidential services to help you get back on track and discuss your options for dealing with unmanageable debt. To speak with a financial counsellor contact the National Debt Helpline on 1800 007 007.
For more information about who to contact for genuine debt advice visit Where to find help.