Free help with bills and debt

If you’re feeling stressed about bills, debt or everyday costs, getting clear, free support can make a real difference. The National Debt Helpline offers free and confidential advice from trained financial counsellors. They can help with things like:

• Understanding bills, debts and payment options
• Utility bills, rent or mortgage stress
• Credit cards, loans or Centrelink debts
• Negotiating payment plans and hardship support
• Speaking with companies on your behalf, where needed

You don’t need to be “in crisis” to contact them

You can reach out early, even if you just feel unsure. The earlier you seek help, the more options there tend to be.

There are flexible ways to access support

• Phone: 1800 007 007 (weekdays)
• Online chat (extended hours)
• Step‑by‑step guides if talking feels hard at first