Welcome - National Debt Helpline About us Contact us Your Rights Debt Problems Living Expenses Electricity Gas & Water Bills Phone and Internet Bills Home Loans Council Rates Rent Strata Levies Car Loans School Expenses Child Support Credit and Other Debts Bad Credit Rating Get your credit report Fix your credit report Buy Now Pay Later Car Accident Debt Centrelink Debts Credit Cards Fines Interest Free Credit Cards Pay Day Loans Difficulty repaying payday loans Risks of payday loans Personal Loans Product Rentals Difficulty repaying a product rental (consumer lease) Before signing up to a product rental (consumer lease) Small Business Debt Student Loans Tax Debts Debt Collection Debt Collection Debt collection – Old Debts Being Sued Court judgments Debt Solutions Manage your debt What is financial hardship and what are your rights? 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Find a Financial Counsellor Diversity and Inclusion What people say Start Chat Delete Chat Contact a financial counsellor Call 1800 007 007 Weekdays 9:30am - 4:30pm Live Chat Weekdays 9:00am - 8:00pm Your Rights Debt Problems Living Expenses Electricity Gas & Water Bills Phone and Internet Bills Home Loans Council Rates Rent Strata Levies Car Loans School Expenses Child Support Credit and Other Debts Bad Credit Rating Get your credit report Fix your credit report Buy Now Pay Later Car Accident Debt Centrelink Debts Credit Cards Fines Interest Free Credit Cards Pay Day Loans Difficulty repaying payday loans Risks of payday loans Personal Loans Product Rentals Difficulty repaying a product rental (consumer lease) Before signing up to a product rental (consumer lease) Small Business Debt Student Loans Tax Debts Debt Collection Debt Collection Debt collection – Old Debts Being Sued Court judgments Debt Solutions Manage your debt What is financial hardship and what are your rights? Work out what you can afford Negotiate payment terms Prioritise your debts Consolidate your loans Know your rights Consumer credit insurance Cancel a direct debit Complaints & disputes Seek extra funds Increase your income Build a savings buffer No Interest Loans Concessions and grants Apply for government benefits Access superannuation Early release of superannuation due to severe financial hardship Early release of superannuation to prevent foreclosure Apply for early release on compassionate grounds Access Child Support Sell assets Borrow from friends and family Extreme financial difficulty Emergency assistance Legal advice Bankruptcy and other formal insolvency options Bankruptcy Temporary debt protection Debt Agreement (Part IX) Complex Situations Financial abuse Domestic and family violence and financial hardship Disasters – financial difficulty Disaster insurance claims Disaster chasers Mental health and financial hardship Prison Scams, data breaches and debt Scams Data breaches Debt from ID theft Financial Counselling What is financial counselling? Find a Financial Counsellor Diversity and Inclusion What people say Start Chat Delete Chat DEBT PROBLEMS Can’t pay your car loan? Phone bill? Credit card? Another debt? FIND YOUR ISSUE DEBT SOLUTIONS Read about ways to tackle your debts one step at a time VIEW YOUR OPTIONS COMPLEX SITUATIONS Natural disasters, family violence and economic abuse OUR ADVICE In debt? Get your finances back on track with these step-by-step guides. Our guides are based on the experience of financial counsellors who provide FREE information and advice. They don’t lend money or sell you anything and work only in your interest. Financial counselling is a not-for-profit service. It’s always free and confidential. VIEW YOUR RIGHTS Latest News VIEW ALL NEWS Step by step guides Get back on track by taking some simple steps Whatever your financial difficulty, whether it’s the mortgage, the credit card, the gas bill or something else, we have the answers. Work out what you can afford, how to negotiate payment plans, what debts to prioritise, and much more. Manage your debts and get back on track. Featured guides Utility guides Mortgage, rates & rent Manage credit card debt Negotiate payment terms Centrelink debts Not sure where to start? Choose a category below Debt problems Your rights Debt solutions Complex situations Speak with someone Call us for FREE advice on how to manage your debts. 1800 007 007 Call weekdays 9:30am 4:30pm Chat weekdays 9:00am 8:00pm Looking for dedicated one on one help? Find a financial counsellor Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis SEARCH NOW You might feel overwhelmed, but you have options and there are steps you can take yourself. 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