Frequently Asked Questions

Financial counselling is a service provided by a financial counsellor who is a community worker that acts without a conflict of interest, as a negotiator and an advocate on behalf of people experiencing financial hardship or who are unable to manage their debts. Financial Counselling services are funded by state and federal governments and donations.

Financial Counsellors are skilled professionals, bound by a Code of Ethical Practice to deliver the best outcomes for their clients.

Financial Counselling Services are free, confidential and non-conflicted.

• A full assessment of their financial situation, including regular income and expenditure, assets and liabilities
• Advise and assist with problems related to debt and debt enforcement
• Advocate and negotiate with banks and other lenders
• Assist with concessions, grant eligibility and referrals for material aid
• Assist with lodging complaints to external dispute resolution services
• Refer to other community, health and legal services
• Consumer rights information
• Change and improvement information and options
• Credit laws, debt recovery process, pre-insolvency advice, bankruptcy and other areas of legislation

Anyone who is unable to pay a bill or at risk of not being able to pay a bill.

This is a free service.

Your Financial Counsellor will call you to discuss your situation and will advise if a face to face appointment is necessary.

Your Financial Counsellor will call you to discuss your situation, and will advise you of the paperwork required prior to your appointment

Generally 1 to 1.5 hours.

Depending on your needs, multiple sessions may be required.

No.