What you'll do
- Know the easiest ways to find a financial counsellor
- Choose a service that suits how you like to communicate
- Understand the service is free and independent
- Prepare for your first conversation
- Feel confident taking this step
5 min read
Where to look
The good news is that finding a free financial counsellor is straightforward. There is a national service that connects you to qualified counsellors in your state or territory, whether you prefer to phone, chat online, or meet someone locally. Every option is free, confidential and independent of any creditor.
Find one step by step
- Call the free National Debt Helpline on 1800 007 007 (weekdays) to speak to a counsellor.
- Or visit ndh.org.au to use the live web chat during opening hours.
- Use the website's "find a financial counsellor" search for a local, in-person service.
- If you prefer, ask a community centre, neighbourhood house or legal centre for a referral.
- Pick whichever way of connecting feels most comfortable for you.
- Have your letters and rough figures ready for the first chat.
Taking the step
Reaching out can feel like a big step, but counsellors do this every day and there is no judgement at all. If it helps, you can let us know through our contact form that a counsellor is assisting you. For more on what they do, see our guide to free financial counselling.
Good to know
- Finding a free financial counsellor is simple — phone, chat or in person.
- The National Debt Helpline (1800 007 007) is the quickest way to connect.
- Every option is free, confidential and independent of creditors.
- Have your letters and rough figures ready for the first conversation.
FAQ
What are the opening hours?
The National Debt Helpline (1800 007 007) generally operates on weekdays. The website ndh.org.au lists current hours and also offers web chat.
Can I see someone in person?
Yes. Many areas have local financial counselling services. Use the find-a-counsellor search on ndh.org.au, or ask a community centre for a referral.
Do I need to be in a crisis to call?
Not at all. You can reach out at any stage, even just to understand your options. Earlier is usually better and easier.
Still not sure? Our team is happy to talk it through.