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Financial counselling

Free help to sort out your money problems

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Financial counselling is a free and confidential service offered by not-for-profit community organisations.

Financial counsellors do not offer legal advice. If you’re facing legal action, get free legal advice straight away.

What financial counsellors do

Financial counsellors are skilled professionals who provide advice and support to people struggling with bills and debt. A financial counsellor can:

Read more about what financial counsellors do.

Never pay for financial counselling. Businesses that charge fees for this are debt consolidation and refinancing companies.

Contact a financial counsellor

If you feel overwhelmed by debt, contact a financial counsellor as soon as possible. If you get help early, you will have many more options.

National Debt Helpline — 1800 007 007

The free National Debt Helpline is open from 9.30am to 4.30pm, Monday to Friday.

When you call, you'll be transferred to the service in your state. Meet some of the financial counsellors you might speak to.

Small Business Support Line

If your small business is struggling because of COVID-19 or natural disasters, call the Small Business Support Line on 1800 413 828.

Farmers or rural and regional businesses

Farmers and other rural businesses struggling due to drought or other hardship can talk to a rural financial counsellor. The government is funding financial counselling for small regional businesses affected by COVID-19.

Find a financial counsellor near you

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