Financial Hardship Support

Our dedicated hardship team is here to assist with any enquiries you may have.

If you are in financial difficulty and currently unable to meet your financial commitments, we can discuss your options. Every financial hardship application is assessed on individual circumstances and the information you provide will be used to make that assessment. If you wish to discuss your options, please call us directly on 1300 665 274 and we’ll be more than happy to help.

Financial Counsellors

If you are struggling to meet your basic financial requirements, there are a number of things you can do.

Financial counselling is a free service which can help you solve your current financial difficulty. Financial counselling services are offered by community organisations and some government agencies. You can call the national debt helpline on 1800 007 007 or visit the ASIC website.


We’ve compiled some helpful resources to help you navigate through your current financial situation.

Dealing with debt - The first step is to talk to your credit or service provider and let them know you are experiencing financial hardship. Taking action straight away can stop a small problem from becoming a big one. For more useful information, learn more at Money Smart.

Managing your money – Read about how to stay on top of your bills, manage your debts and start saving to improve your financial health at Money Smart. 

Budgeting – Budget planners are great way to figure your where your money is going and calculate your expenses to help you identify opportunities to save and pay off your debts. Learn more at Money Smart.

Credit file – It's important to familiarise yourself with your credit file. Just remember that every time you access your credit file it can impact your score, and that you may have to pay to access your file.

Code of Practice – If you’d like to learn more about how debt collection organisations operate within the Australian Collectors and Debt Buyers Association Code of Practice, you can learn more about the Code below.