What is a financial counsellor?

If you’re experiencing financial difficulty or feeling overwhelmed by debt you can contact a financial counsellor for help.

Financial counsellors are qualified professionals who provide free, independent and confidential information or advice. They can help you to:

  • understand your rights and provide access to legal help
  • access assistance related to paying bills or fines
  • prioritise debts, develop budgets and money plans.

There are a range of government and community services available to help you get back on track. See below for external support service providers.

Other external support resources

Domestic and family violence support

If you’re in immediate danger, please call the police on 000.
  • 1800 Respect - A family violence and sexual assault counselling line.
  • 1800ELDERHelp - A free national elder abuse phone line that automatically redirects callers seeking information and advice on abuse of older people with the phone service in their state or territory.
  • 13 Yarn - Provides a free and confidential 24/7 national crisis support line for Aboriginal and Torres Strait Islander people experiencing distress or difficulty coping.
  • Blue Knot Helpline – A telehealth service that offers trauma specialist support to adults who are impacted as a result of trauma and abuse that occurred when they were a child.
  • Centre for Women's Economic Safety - (CWES) - Supports women at risk of experiencing or recovering from financial abuse in the context of domestic and family violence.
  • Family Violence Law Help - Provides advice on domestic and family violence and the law in Australia.
  • Full Stop Australia - Provides free 24/7 telephone or online counselling to those experiencing violence or abuse.
  • National Legal Aid Family Violence Law - Provides advice on domestic and family violence and the law in Australia.
  • No to Violence - Provides anonymous and confidential telephone counselling, information and referrals to men to help them take action to stop using violent and controlling behaviour.
  • Services Australia - family and domestic violence - Provides information, resources and referrals to those affected by family and domestic violence.
  • Tech Safety - Provides resources and support on technology, privacy and safety in the context of intimate partner violence, sexual assault and violence against women.
  • Victim Services - Provides information on victim’s rights, how to access counselling and financial assistance including an Aboriginal Hotline.

Family and relationship support

  • Carer Gateway - Provides an entry point for carers to access practical information and advice, online support and services in their local area.
  • Family Relationship Advice Line – Provides information and advice on family relationship issues and parenting arrangements after separation.
  • National Disability Abuse and Neglect Hotline - A free, independent and confidential service for reporting abuse and neglect of people with disability.
  • QLife - Provides anonymous and free LGBTIQ+ peer support and referral for people in Australia wanting to talk about sexuality, identity, gender, bodies, feelings or relationships.
  • Rainbow Families Australia - Provides support for LGBTQ+ families.
  • Relationships Australia - Provides relationship support services for individuals, families and communities.

Mental health support

 
  • Beyond Blue – Provides over the phone, web and email support to people experiencing anxiety and depression.
  • Black Dog - Provides information on mental health services, education and research.
  • Carers Australia – Offers counselling, peer support and respite services for carers and their families.
  • Headspace - Provides free online support and counselling to young people aged 12-25 and their families and friends.
  • Kids Helpline - Provides online and over the phone counselling services for children and young adults.
  • Lifeline - A national charity providing all Australians experiencing emotional distress with access to 24-hour crisis support and suicide prevention services.
  • MensLine - Provides online and over the phone counselling services for men with emotional health and relationship concerns.

Support for older people

  • 1800ELDERHelp - A free national elder abuse phone line that automatically redirects callers seeking information and advice on abuse of older people with the phone service in their state or territory.
  • 13 Yarn - Provides a free and confidential 24/7 national crisis support line for Aboriginal and Torres Strait Islander people experiencing distress or difficulty coping.
  • Aged Care Quality and Safety Commission - The national regulator of aged care services, protecting the health, safety and wellbeing of older people.
  • Capacity Australia - A charity that promotes the individual right to decision making and advocates for safeguards to prevent abuse, neglect and exploitation.
  • Elder Abuse Action Australia - Provides information and resources for older Australians and the broader community.
  • My Aged Care - Provides information to learn about and access to Australian Government-funded aged care services.
  • National Dementia Helpline - A free and confidential service providing information, support and advice to people living with dementia, their families and carers.
  • Older persons Advocacy Network - Provides free, independent and confidential support to older people seeking or receiving government funded aged care services.
  • Safe & Savvy - A guide to help older people avoid abuse, scams and fraud.
  • Seniors Rights Service - A community legal centre that provides advocacy, legal advice and education for older people.
Power of attorney arrangements
  • SafeGuarding agencies – If someone is abusing a power of attorney arrangement, contact a safeguarding agency in your state.
  • You Decide Who Decides - A guide about important things to consider before making an enduring power for financial decisions.

Natural disaster support

  • Ask Izzy - A website that connects people in need with housing, a meal, money help, family violence support, counselling and more.
  • Australian Red Cross - Provides comfort, care and connection to people coping with tough times in Australia and across the Asia Pacific.
  • Disaster Assist - Information on assistance for current and recent disasters from the Australian Government.
  • Salvation Army - Provides immediate assistance and meets people at their point of need following a disaster.

Support for people living with a disability

 

Grief support

  • Feel the Magic - An Australian charity providing early intervention grief education programs for kids aged 7 to 18, who are experiencing pain and isolation due to the death of a parent, guardian or sibling.
  • Griefline - Provides free and confidential counselling, resources and information to people experiencing grief and loss across Australia.
  • Services Australia  - Information on payments and help for grieving family members.

Support for homelessness

  • Ask Izzy - A website that connects people in need with housing, a meal, money help, family violence support, counselling and more.
  • Australian Red Cross - Provides comfort, care and connection to people coping with tough times in Australia and across the Asia Pacific.
  • Disaster Assist - Information on assistance for current and recent disasters from the Australian Government.
  • Homelessness Australia – A service who can put you in touch with housing services who can assist you in your state.
  • Salvation Army - Provides immediate assistance and meets people at their point of need following a disaster.

Gambling and addiction support

  • Counselling Online - A service that provides free drug and alcohol counselling online. It offers support and guidance to individuals dealing with substance use issues.
  • Gambling Help Online - A national service providing free, professional, and confidential support for anyone affected by gambling.

Small business support

  • Small Business Debt Helpline - A free service for small business owners in financial difficulty, offering advice on finance, debts, negotiating, and counselling.

LGBTQIA+ support

  • Qlife - Provides anonymous and free LGBTIQ+ peer support and referral for people in Australia wanting to talk about sexuality, identity, gender, bodies, feelings or relationships.

First Nations support

  • 13 Yarn - Provides a free and confidential 24/7 national crisis support line for Aboriginal and Torres Strait Islander people experiencing distress or difficulty coping.
  • Mob Strong Debt Help - A confidential free legal advice service about debts and insurance matters for Aboriginal and Torres Strait Islander people.
  • National Aboriginal Community Controlled Health Organisation - Connects people in need with housing, a meal, money help, family violence support, counselling and much more.
  • Seniors Rights Service: Rights for Elders - Offers advice on legal issues and aged care advocacy to First Nations people aged 50 and over in NSW.
  • Victims Services - Provides information, referrals and programs to victims of crime in NSW including an Aboriginal Contact Line (1800 019 123).

Financial hardship support

  • Ask Izzy - Provides a directory of services for financial, legal and wellbeing support specific to your location.
  • Australian Banking Association Financial Assistance Hub - A guide designed to help you understand the options that may be available if you’re struggling financially.
  • Centrelink – Services Australia - Provides payments, social work counselling and third-party referrals and crisis payments.
  • CreditSmart - Makes it easy for you to understand how your credit choices impact what info credit providers will report, what info they can access, and how you can be in control of your credit information.
  • Department of Social Services - Grants Service Directory - Provides access to support for immediate financial crisis situations.
  • MoneySmart - Provides tools, support and educational resources to improve financial capabilities and health.
  • National Debt Helpline - Helps people who are experiencing financial difficulty. It’s available nationally and it’s a free, independent and confidential service.
  • Salvation Army – Moneycare – Provides assistance with financial coaching, financial counselling and no-interest loans.
  • Services Australia – Crisis Payment - Provides access to a one-off payment if you have experienced an extreme circumstance and are in severe financial hardship.

Immigrant and refugee support

Serious illness support

  • Cancer Council Australia - A free, confidential service for anyone looking for cancer information or support.
  • Health Direct  A free service that allows you to speak with a registered nurse, check medical symptoms or locate health services near you.
  • Capacity Australia - Provides free education and information sessions on advocacy services for older people and those with disabilities, such as rights and responsibilities within the aged-care and community-care sectors.
  • National Dementia Helpline - A free and confidential service providing information, support and advice to people living with dementia, their families and carers.
  • Palliative Care Australia – Provides a National Palliative Care Service Directory where you can find palliative care providers near you.

Incarceration support

Support for scams

  • Australian Cyber Security Centre (ACSC): Run by the Australian Signals Directorate (ASD), the ACSC provides resources and information on how to stay protected online and improve cyber security.
  • Equifax - A credit reporting agency that provides information and analysis on credit history. It offers services to help protect against identity theft and fraud.
  • IDCARE - Australia and New Zealand's national identity and cyber support service. They provide support to individuals and organisations to reduce the harm from the compromise and misuse of identity information.
  • Scamwatch - Run by the Australian Competition and Consumer Commission (ACCC), Scamwatch provides information to consumers and small businesses about how to recognise, avoid and report scams.
  • Online relationship health check - developed by the National Anti-Scam Centre this quick, confidential quiz is designed to help people spot the red flags of romance and relationship scams.

Safeguarding support

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