When it comes to getting on top of debt, the most important thing is to get started.
- Find out what you can do to manage mounting bills and where to go for help.
- Know your rights when you owe money and how to deal with debt collectors.
- Understand the risks before signing a debt agreement or declaring bankruptcy.
- Find out how to check — and fix — your credit score for free.
If you don't know where to start, call the free National Debt Helpline on 1800 007 007. The helpline is open Monday to Friday, 9:30am to 4:30pm.
Avoid credit and debt repair companies that claim they can clean up or fix your debt. They may not be able to do what they say. They may also charge you high fees for things you can do by yourself for free.