About Financial Counselling

Financial counsellors provide information, support and advocacy to assist people in financial difficulty.

Working in community organisations, their services are free, independent and confidential. Financial counsellors have an extensive knowledge of a range of areas of law and policy, including consumer credit law, debt enforcement practices, the bankruptcy regime, industry hardship policies and government concession frameworks.

Financial Counsellors are based in community agencies and are funded largely by either State Governments or the Federal Government.

Financial counsellors provide a FREE, INDEPENDENT & CONFIDENTIAL service.

From time to time, many people find themselves struggling to buy food, pay the rent or mortgage and can be juggling numerous debts. If you’re in this situation, a financial counsellor can help you understand your options so that you can get back on your feet.

There are free financial counselling services in every State and Territory in Australia (there is a map and contact details here).

Financial counselling summarized in two handy fact sheets:
How Does a Financial Counsellor Help?
Financial Counselling in a Nutshell


If at any stage of your contact with a ‘financial counsellor’ or ‘debt counsellor’ they ask you to sign an agreement which includes paying any costs or fees, check this out carefully and get advice from a free Government funded financial counsellor.

There are a growing number of services advertising on television, radio and in local newspapers that say they can solve your debt problems.

Many of them are costly and don’t set out the full range of choices you may have. They may focus on one solution such as a Debt Agreement (under the Bankruptcy Act) or budgeting.

These “solutions” often provide greater financial benefit to the company offering them, than they will to you.