Where can I get free help with debt?
You never have to pay for debt help — free, independent support is available to everyone.
This guide helps you
- Know that free debt help is available to all
- Understand what financial counsellors offer
- Find dispute and complaint schemes
- Avoid paying for help you can get for free
- Know who to call for emotional support
5 min
You're not alone
Whatever your situation, you don't have to face debt alone — and you should never have to pay for the help you need. Australia has a strong network of free, independent services for people dealing with money trouble.
This page is general information, not financial advice. The best starting point is a free financial counsellor — National Debt Helpline 1800 007 007.
What free help is available
Free support includes:
- Financial counsellors — free, independent help with budgeting, debts and negotiating with creditors, via the National Debt Helpline (1800 007 007).
- Ombudsman and complaint schemes — free, independent ways to resolve disputes with creditors and providers.
- Emergency relief services — help with food and essentials in a crisis.
- Community legal centres — free legal help on some debt matters.
You can find these in our directory of bodies.
Step by step
- Call the National Debt Helpline on 1800 007 007 to speak with a free financial counsellor.
- Use a complaint or ombudsman scheme if a creditor treats you unfairly.
- Reach out to emergency relief if you need urgent help with essentials.
- Be cautious of paid 'debt solution' companies that charge for help you can get for free.
You can read more about your options in our help centre.
Good to know
Free financial counselling is independent and confidential, and counsellors are there to help you, not to sell you anything. If anyone pressures you to pay for debt help, it's fine to pause and talk to a free service first. If money worries are affecting how you feel, Lifeline 13 11 14 and Beyond Blue 1300 22 4636 are there.
Key takeaways
- Free, independent debt help is available to everyone in Australia
- Financial counsellors, ombudsman schemes and emergency relief cost nothing
- Start with the National Debt Helpline on 1800 007 007
Frequently asked questions
Do I have to pay for debt help?
No. Financial counselling through the National Debt Helpline (1800 007 007) is free, and so are ombudsman schemes and many other supports. Be cautious of companies that charge fees for debt help.
What's the difference between free counselling and paid debt companies?
Free financial counsellors are independent and don't sell products. Paid 'debt management' or 'debt solution' firms can charge significant fees for similar help. It's wise to speak to a free service first.
Where do I start if I don't know who to call?
Start with the National Debt Helpline on 1800 007 007. A free financial counsellor can look at your whole situation and point you to the right support, including dispute schemes and emergency relief.
This is general information, not legal or financial advice. Your situation is unique and rules can vary by state and over time — for advice on your circumstances, speak to a free financial counsellor (National Debt Helpline 1800 007 007) or get legal help.
Know your options, know your rights
A free, plain-English guide to dealing with debt in Australia — and the people who can help.