SOMEONE CLOSE TO ME HAS PROBLEMS WITH DEBT. WHO CAN HELP?

This is a question that lots of Australians have been asking in recent years, with the historically rapid rise in the cost of living. If that person is you, or you know someone who is facing a financial crisis, read on.

The good news is that the answer is quite simple:  A financial counsellor, that’s who!

What do financial counsellors do?

Financial counsellors are professionals who specialise in helping people through money troubles.

They are able to:

• Assess your financial situation
• Prioritise your debts
• Develop a budget with you
• Explain your rights and options
• Advocate and negotiate on your behalf
• Lodge complaints on your behalf
• Refer you to other services you may need

Best of all? Their services are free, confidential, and non-judgmental.

Expert help needed!

Sometimes we may want the assistance of someone who really understands our specific situation. There are financial counsellors who have specialist training and work with parts of the Australian population on specific issues.  The service is the same, the understanding is specialised. 

ADF member or Veteran?

Bravery Trust is a national military charity which provides current and ex-serving members of the Australian Defence Force with a financial safety net in times of hardship, providing financial assistance, financial counselling and financial education. They aim to work with each individual to tailor a unique solution. Their services are free, confidential and independent of the ADF.

You can reach them at 1800BRAVERY (1800 272 837) and the Bravery Trust Website.

Other Specialist Financial Counsellors:

The financial counsellors available at the National Debt Helpline on 1800 007 007 can also suggest a specialist financial counsellor if you need specific support. Some financial counsellors are trained to deal with particular issues, including:

• family violence and economic abuse, including elder abuse
• gambling related harm, both for the gambler and family members
• natural disasters
• small business issues
• Rural financial counselling
• Mob Strong Debt Help

Where else can I find a Financial Counsellor?

It’s easy.  Just call the National Debt Helpline on 1800 007 007 from anywhere in Australia.

There are also financial counsellors employed by not for profit community organisations who you may be able to see in person.  The National Debt Helpline may be able to refer you to a service if there is a suitable one in your area.

Where can I find out more?

If you would like more information, first read our page on immediate money help.

Anything else?

If you or anyone you care about has problems or concerns about money, please don’t hesitate to reach out for help from one of the services mentioned in this article.  The important thing is to take prompt action.  If you have any trouble working out the first step for yourself or someone else, please contact us.