Welcome Page - National Debt Helpline

DEBT PROBLEMS

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

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DEBT SOLUTIONS

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

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COMPLEX SITUATIONS

Natural disasters, family violence and economic abuse

OUR ADVICE

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.

Featured guides

Utility guides

Mortgage, rates & rent

Manage credit card debt

Negotiate payment terms

Centrelink debts

Not sure where to start?

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Debt problems

Your rights

Debt solutions

Complex situations

Speak with someone

Call us for FREE advice on how to manage your debts.

1800 007 007

Call weekdays 9:30am – 4:30pm

Chat weekdays 9:00am – 8:00pm

Looking for dedicated
one on one help?

Find a financial counsellor

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