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National Debt Helpline

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The National Debt Helpline is a not-for-profit service that helps people tackle their debt problems. Their professional financial counsellors offer a free, independent and confidential service.  

Financial counsellors assist you by:
  • doing a full assessment of your financial situation to help you fully understand your position
  • providing advice on how to negotiate with your creditors, government agencies or other business providers
  • negotiating directly with your creditors in certain circumstances
  • providing advice about what options, rights and responsibilities you may have
  • referring you to other services you may need, such as legal services, crisis food and accommodation services, and health services.
Financial counsellors can provide information and advice about:
  • credit and debt-related matters
  • the rights of debtors
  • the pros and cons of bankruptcy
  • working out a realistic payment plan for debts
  • how to access other specialist support services, including gambling, family support, personal counselling, legal aid and emergency relief.