Where to find help

If you’re in financial difficulty, we recommend contacting a 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. 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.

How a financial counsellor can help

Financial Counsellors can offer help and guidance in the following areas:

Managing your debts

  • work out what you can afford to pay
  • negotiate payment terms
  • prioritise your debts
  • consolidate your loans
  • know your rights

Explaining your options

  • apply for government benefits or emergency assistance
  • request a hardship variation
  • connect you with support services
  • temporary relief
  • debt agreement
    • help decide if this is the best option for you
  • bankruptcy
    • explain how bankruptcy could affect you
    • help you apply
You may come across other services who offer to provide this advice for a fee, such as debt consolidation companies. You may be able to get the same service and information from a financial counsellor for free.

What to expect when you contact a financial counsellor

When you call the National Debt Helpline you will speak to a trained financial counsellor who can help assess your situation and provide you with free advice to help you move on.

If your matter is more complex, they can refer you to your closest financial counselling service to see a financial counsellor in your local area.

Financial counsellors work in various community organisations and are all:

  • free
  • qualified
  • confidential
  • impartial
  • non-judgemental
  • respectful

Other support services

If you need to talk to someone about other issues you are experiencing, there are many personal help services available to you.

Support

Contact

Financial Counselling

National Debt Helpline
1800 007 007

Financial knowledge and budgeting tools

ASIC’s MoneySmart

Free legal advice

See the Seek legal assistance for debt related issues section.

Small business help

Business.gov.au
13 28 46

Urgent money help

The Salvation Army
13 72 58
St Vincent de Paul Society
13 18 12
Department of Human Services
132 850

Help in your language

Translating and Interpreting Service
131 450
We have translated some of our AFSA resources in other languages, see the help in your language section.

Indigenous assistance

Indigenous Outreach Program

Crisis support

Lifeline
13 11 14

Mental health support

Beyond Blue
1300 22 4636

Gambling help

Gambling Help Online
1800 858 858

Domestic violence or abuse

1800Respect
1800 737 732

Drug and alcohol issues

Counselling Online

Financial abuse

More information available on ASIC's MoneySmart website at Financial abuse

Separation and family dispute resolution

Relationships Australia
1300 364 277
Family Relationships Online
1800 050 321