Receivables Management Header

Financial Hardship

First Party Collections
Third Party Collections
Statewide Mercantile Services
Process Serving
Field Services
Debt Portfolio Management
Skip Tracing
International News
Litigation Management
Financial Hardship


ARL Financial Hardship Division

ARL has a dedicated team of personnel who specialisein assisting people who are experiencing financial hardship in fair, considerateand compassionate manner.

To apply for Financial Hardship you will be required to complete the application which includes a Statutory declaration of your Statement of Financial Position (SOP) and supporting information proving income and expenses.

Every financial hardship application is assessed on individual circumstances and the information you provide will be used to make that assessment. Please complete the information fully, providing as much information as possible and immediately return it to Resolve 180 by mail.
 Resolve 180
 PO Box 14390
 Melbourne City Mail Centre VIC 8001

 or Facsimile 03 9320 2302
 or email

If you require assistancecompleting your Application for Financial Hardship please contact the Resolve180 team on 1300 720 268, or you can contact a Financial Counsellor to assist you. 

You can appoint a Financial Counsellor or any other person to act as a representative on your behalf but in order for Resolve 180 personnel to discuss this matter with your representative a Letter of Authority must be completed and returned before Resolve 180 personnel can discuss the matter with that person. Resolve180 cannot discuss the matter without that written authorisation.

A Budget Planner and related support websites are provided below to assist youwith the completion of your Application for Financial Hardship but should youhave any questions please contact Resolve 180 on 1300 720 268.

Please be aware that the continuation of normal collection activities is likelyto occur if you fail to contact ARL or Resolve 180, or do not return acompleted Application for Financial Hardship. Please contact our dedicatedfinancial hardship support team ‘Resolve 180’ on 1300 720 268 between 8:30 am -5:00 pm (AEST), Monday to Friday. Email us at:

Letter of Authority Form
Please find attached
Letter of Authority Form

Financial Counsellors
Financial Counsellors are a community based service providing free andindependent advice and are trained to help you with your financial situation.You can find your nearest Financial Counsellor by calling 1800 007 007 or atFinancial Counselling Australia website.

Support Websites
Please refer to the following Government supported websites for useful options,loan calculators, various information and support tools for customers experiencing financial hardship;

Budget Planner

Budget-Planner Work out your weekly, monthly and annual budget using the budget calculator.

Resolve 180 is a division of ARL and personal information will be collected,held, used and disclosed by Resolve 180 for the purpose of assessing yourfinancial circumstances to determine eligibility for Financial Hardshipsupport. Please refer to ARL Privacy Policy.

Application for Financial Hardship
Click here to download Acrobat Reader