The 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’re simply here to help you get back on track

Financial counselling provides valuable guidance in managing your debts and regaining control of your finances. Issues a Financial Counsellor can assist with include:

• Financial rights and responsibilities
• Money planning
• Applications for hardship
• Debts and debt recovery processes
• Concessions and related entitlements
• Referrals to complimentary services
• Insolvency and bankruptcy options

The National Debt Helpline website has resources available to support you in understanding your situation and steps you can take to resolve.

If you contact the helpline, you will speak with an Intake Service Operator who will be able to provide you with information and referrals to complimentary services such as emergency relief, legal services, government agencies and many others. If you require the services of a Financial Counsellor they will seek to book you an appointment or refer you to a service within your area.

The National Debt Helpline phone lines are open Monday to Friday between the hours of 9.30 am - 4.30pm (closed public holidays).

You can also engage in Live Chat with a Financial Counsellor via the National Debt Helpline webpage. Chat is available between the hours of 9.00am and 8.00pm

If you wish to contact a financial counsellor in your area, please use the "Find a Financial Counsellor" link on the left hand side