
DEBT PROBLEMS
Can’t pay your car loan? Phone bill? Credit card? Another debt?

DEBT SOLUTIONS
Read about ways to tackle your debts one step at a time

COMPLEX SITUATIONS
Natural disasters, family violence and economic abuse
In debt? Get your finances back on track with these step-by-step guides.
Our guides are based on the experience of financial counsellors who provide FREE information and advice. They don’t lend money or sell you anything and work only in your interest. Financial counselling is a not-for-profit service. It’s always free and confidential.
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Step by step guides

Get back on track by taking some simple steps
Whatever your financial difficulty, whether it’s the mortgage, the credit card, the gas bill or something else, we have the answers. Work out what you can afford, how to negotiate payment plans, what debts to prioritise, and much more. Manage your debts and get back on track.
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