Commonwealth Financial Counselling

Commonwealth Financial Counselling services are delivered by community and local government organisations to help people in personal financial difficulty to address their financial problems, managing the debt and make informed choices about their money in the future.

These services are voluntary, free and confidential, and can be accessed through:

  • face-to-face meetings or
  • the National Debt Helpline on 1800 007 007 (calls from public phones/mobile phones may be timed and charged at a higher rate).
  • or visit

Services may include:

  • direct casework (for example, advice and information)
  • advocacy and/or negotiation
  • referral or
  • community education.

Financial counsellors can assist people with personal financial problems to:

  • negotiate with creditors if you are having difficulty maintaining your loan, mortgage or credit card repayments
  • advocate with government or non-government organisations
  • explain options when you are not able to pay bills
  • explain the debt recovery process if you have received a letter of demand, a summons, a warrant of execution or a judgment summons and are not sure what to do next
  • develop a budgeting plan to suit your circumstances if you are having difficulties making ends meet, and to help gain financial management skills to enable you to take control of your finances
  • provide information on bankruptcy and help explore various options.

Commonwealth Financial Counsellors Do Not provide:

  • financial planning advice
  • finance lending
  • endorsement of specific financial products or services
  • business or legal advice.

The free National Debt Helpline* is open from 9.30am to 4.30pm, Monday to Friday, call 1800 007 007 or visit

*Calls from public phones/mobile phones may be timed and charged at a higher rate.

Financial Counselling supports people affected by problem gambling. Counsellors can provide direct case work or one-on-one intensive support, including the provision of information, advocacy and/or negotiation; referrals to other services; community education; and networking/liaison with relevant service providers.

Across Australia, Problem Gambling Counselling can be accessed by ringing the National Gambling Helpline* on 1800 858 858 or through Gambling Help Online

*Calls from public phones/mobile phones may be timed and charged at a higher rate.

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