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Extra support resources

If you're feeling overwhelmed by money or personal issues, it can be hard to know where to turn.

There are community, charity and government services to help you with food, housing and bills, as well as emotional support.

If you don't know where to start, information on options available to you can be found at Urgent help with money - Moneysmart.gov.au

Financial counselling is a free and confidential service.

Financial counsellors are skilled professionals. They will listen to your problems and help you with things like:

  • bills or fines you're struggling to pay
  • being contacted by debt collectors
  • gas, electricity or phone disconnection
  • being evicted from your house
  • car accidents with no insurance
  • tax debts

Financial Counsellors can also help you plan and negotiate with your mortgage or credit providers. 

Financial counselling is a free and confidential service offered by community organisations, community legal centres and some government agencies. You should never pay for financial counselling. Businesses that charge fees for this are debt consolidation and refinancing companies.

Financial counsellors do not offer legal advice. Free legal advice is available at community legal centres and Legal Aid offices across Australia. For more information visit Free legal advice - Moneysmart.gov.au

If you want to find a financial counsellor you can call the National Debt Helpline – 1800 007 007 (open 9.30am to 4.30pm, Monday to Friday). When you call, you'll be transferred to the service in your state.

If you're going through a personal crisis, help is available.

You can contact one of these free and confidential services:
Type of services Details

Crisis support

 

Lifeline
13 11 14
24 hours
Lifeline's crisis support online chat
Depression or anxiety
Beyond Blue
1300 22 46 36
24 hours
Beyond Blue's web chat (3pm to 12am)
Sexual assault, domestic or family violence counselling
1800RESPECT
1800 737 732
24 hours
Alcohol or other drug use
Family Drug Support Australia
1300 368 186
24 hours
Gambling
Gambling Help Online
National Gambling Helpline
1800 858 858
24 hours
You can contact one of these free and confidential services:
Type of services

Crisis support

 

Details Lifeline
13 11 14
24 hours
Lifeline's crisis support online chat
Type of services Depression or anxiety
Details Beyond Blue
1300 22 46 36
24 hours
Beyond Blue's web chat (3pm to 12am)
Type of services Sexual assault, domestic or family violence counselling
Details 1800RESPECT
1800 737 732
24 hours
Type of services Alcohol or other drug use
Details Family Drug Support Australia
1300 368 186
24 hours
Type of services Gambling
Details Gambling Help Online
National Gambling Helpline
1800 858 858
24 hours