National Debt Helpline

National Debt Helpline is a not-for-profit service that helps people tackle their debt problems. We’re not a lender and we don’t ‘sell’ anything or make money from you. Our professional financial counsellors offer a free, independent and confidential service.

We are able to assist you by:

• doing a full assessment of your financial situation – including regular income and expendi-ture, assets and liabilities – 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 ac-commodation services, and health services

We 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