Financial counselling is a free and confidential service offered by not-for-profit community organisations.
What financial counsellors do
Financial counsellors are skilled professionals who provide practical advice and support to people struggling with bills and debt. They are experts in consumer and social security law, bankruptcy law, industry hardship obligations/codes and working with industry ombudsmen, as well as being skilled counsellors.
A financial counsellor can:
- assess your financial situation
- help you work out what to do if you're struggling to pay bills and fines
- help you negotiate with government agencies, your landlord, utilities, telcos, and other creditors
- assist you if you're being harassed by debt collectors
- refer you to other services you might need, such as legal, accommodation, health and crisis services
Read more about what financial counsellors do.
Financial counsellors do not offer legal advice. If you’re facing legal action, get free legal advice straight away.
Financial counselling is free - you never need to pay. Businesses that charge fees for this are debt consolidation and refinancing companies, not financial counsellors.
Financial counselling services
If you feel overwhelmed by debt, contact a financial counsellor as soon as you can. Their services are free and confidential.
The earlier you get help, the more options you'll have.
National Debt Helpline – 1800 007 007
The free National Debt Helpline is open from 9:30am to 4:30pm, Monday to Friday. Or live chat, Monday to Friday, 9:00am to 8:00pm.
When you call, you'll be transferred to the service in your state.
Mob Strong Debt Help – 1800 808 488
Mob Strong Debt Help is a free legal advice service about money matters for Aboriginal and Torres Strait Islander peoples from anywhere in Australia.
The helpline is open from 9:30am to 4:30pm, Monday to Friday.
Small Business Debt Helpline – 1800 413 828
If you or someone you know is struggling with business finances, call the Small Business Debt Helpline.
The small business financial counsellors will give you free, independent and confidential advice over the phone or via live chat. The Helpline and live chat are open 9:00am to 5:30pm, Monday to Friday.
Farmers or rural and regional businesses
Eligible farmers, fishers, foresters and small related businesses who are experiencing, or at risk of financial hardship, can talk to a rural financial counsellor. Search the link for your state-based service.
Find a financial counselling service near you