We’d love to help everyone be debt free, however there are times our solutions may not be the perfect fit for an individual’s financial situation.  Our services have a minimum criteria (set by AFSA) to be eligible for debt relief. These include:

  • Applicant must be insolvent (not able to pay bills as they fall due)
  • Loans with more than one lender, or refused financial hardship
  • Owe more $8,000 of unsecured debts (personal loans, credit cards etc.)
  • Earn less than the income limit.
  • Own less than asset limit.
  • No bankruptcies within 10 years.
  • Employed, or have financial support to maintain a regular payment.

Should you not be eligible for our debt solutions, here are alternative debt solution services:

The Salvation Army
http://salvos.org.au | 1300 363 622 (National)
The Salvation Army offers a range of support options to help with financial difficulties, depending on the nature of your problems.

St Vincent de Paul Society
http://www.vinnies.org.au | 1300 633 343 (National)
The St Vincent de Paul Society provides assistance to people in need in any way they can. In many cases, it could be as simple as helping to pay off an urgent, debilitating bill, or a food voucher to help a family make it through to their next pay.

Lifeline Financial Counselling
http://www.lifeline.org.au/ | 13 11 14 (National)
Lifeline Financial Counselling Service is a free, personal, professional and confidential service. Accredited Financial Counsellors can help you to explore your financial options, provide advocacy and support when dealing with creditors and help with personal and family budgeting.

Australian Financial Security Authority (AFSA)
https://www.afsa.gov.au/ | 1300 364 785 (National)
AFSA’s sole purpose is to provide a personal insolvency system that minimised the impact of financial failure on the community produces equitable outcomes for debtors and creditors and enjoys public confidence, through application of bankruptcy laws, regulation and trustee services.

Financial Counselling Australia
http://www.financialcounsellingaustralia.org.au | 1800 007 007 (National)
Financial counsellors provide information, support and advocacy to assist people in financial difficulty. Working in community organisations, their services are free, independent and confidential.

Wesley Mission Credit Line
http://www.wesleymission.org.au/home/our-services/wesley-counselling-services/wesley-financial-counselling/what-we-offer/ | 1800 808 488
Credit Line offers confidential counselling to the vulnerable and disadvantaged in our community facing financial crisis.

Commonwealth Financial Counselling Program
https://www.dss.gov.au/our-responsibilities/communities-and-vulnerable-people/programs-services/commonwealth-financial-counselling-cfc/commonwealth-financial-counselling-cfc-directory | 1800 007 007 (National)
Commonwealth Financial Counselling is a service strategy under the Australian Government’s Financial Management Program. The Financial Management Program aims to build financial resilience and wellbeing for vulnerable people and those most at risk of financial and social exclusion and disadvantage.

Financial Information Service
http://www.humanservices.gov.au/customer/services/centrelink/financial-information-service | 13 23 00 (National)
The Financial Information Service (FIS) educates and informs a wide range of people on financial and lifestyle issues. The FIS program helps people to make informed decisions about investment and financial issues for their current and future needs.

Equifax (formally VEDA) Credit Reports, History & Information
http://www.equifax.com.au/personal/products/credit-reports-scores-alerts | 13 8332 (National)
Request your free personal credit history.

Support In Your Region

Rural Financial Counselling 1800 686 175 Agricultural Workers Only
Money Help 1800 007 007 Victoria
Credit Helpline 1800 803 800 Regional Victoria
Financial Counsellors Association of NSW 1300 914 408 New South Wales
Anglicare Financial Counselling 1800 243 232 Tasmania
Financial First Aid 1300 370 255 Queensland
Balance Financial Counselling Helpline 1800 025 539 South Australia
Somerville Community Services 1300 759 655 Northern Territory
Anglicare Northern Territory Financial Counselling Service 1800 898 500 Northern Territory
Rural Financial Counselling Service WA 1800 612 004 Western Australia