Free help to sort out your money problems

Financial counselling is a free and confidential service offered by community organisations, community legal centres and some government agencies.

Financial counsellors are skilled professionals. They will listen to your problems and help you with things like:

bills or fines you're struggling to pay

being harassed by debt collectors

gas, electricity or phone disconnection

being evicted from your house

car accidents with no insurance

tax debts

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

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 bushfires, 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

Type in your suburb or postcode in the search field below to find a financial counsellor near you.

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What financial counsellors do

Financial counsellors guide you through your options. They can:

suggest ways to improve your financial situation

see if you're eligible for government concessions or support

talk to your creditors about repayment arrangements

help you apply for a hardship variation

explain the risks of bankruptcy and debt agreements and talk through the alternatives

refer you to other services, such as a gambling helpline, family support or legal aid

Read more about what financial counsellors do.