Debt Rescue: Who Can Help?

There are many reasons people face financial difficulties and we understand that the circumstance changes for everyone. It’s important to know that help is available. Financial counsellors are here to support people facing the burden of debt Australia wide. The first step to regaining your financial freedom is by reaching out for help.


Talk to your credit provider.

If you are struggling to keep up with utility and credit bills, the first step is to be honest and let your creditor know that you’re experiencing financial hardship. 

Apply for a hardship variation

If you are unable to keep up with your repayments due to unemployment, illness or changed circumstance, you can ask for a ‘hardship variation’.

Ask for help if you’re struggling with debt

It’s important to know that free counselling and legal services are available. Find the resources below for debt help. 

What to do if your lender takes you to court

You need to act quickly if you receive a notice that you are being taken to court. Decide if you agree with the notice or if you dispute it before reaching out for legal advice.

How do I find a financial counsellor?

National Debt Helpline 1800 007 007. 

Credit Counsellors Australia 1800 354 980. 

The Australian Securities & Investments Commission (ASIC) provide a free online search to help you find your nearest financial counsellor. (


If you are feeling overwhelmed and require emotional support. Call Lifeline’s 24-hour crisis support service on 13 11 14 or beyondblue on 1300 22 46 36 (24 hours)

Want to find out more about sorting out your money problems? Watch this video. (