This guide helps with
- Understand the value of independent, on-your-side advice
- Know that quality independent help is free
- Learn where to find a financial counsellor or adviser
- Understand how independent help works alongside Merion
- Find the right support line for your needs
5 min read
You're not alone
It is completely natural to want advice from someone independent — a person whose only job is to look out for you. The good news is that excellent, independent help is available for free, and using it is a smart move, not a sign you cannot cope. Getting a clear, outside view often makes a stressful situation feel far more manageable.
Independent advisers are not here to take sides against you or push you into anything. They are here to help you understand your options and make decisions you feel good about.
What you can do
Independent support can help you in several practical ways.
- Explain your account and your options in plain language.
- Help you build a budget and decide what you can afford.
- Speak with us, or other creditors, on your behalf.
- Connect you with extra support, entitlements and services.
Step by step
- Call the free National Debt Helpline on 1800 007 007 to reach a financial counsellor.
- Explain your situation in your own words — no preparation needed.
- Ask any questions you have about your options and your rights.
- Ask whether they can deal with us on your behalf.
- Bring anything you agree back to us, and keep your notes.
Who to contact
The National Debt Helpline on 1800 007 007 is the best starting point for free, independent financial counselling across Australia. If you are feeling distressed, Lifeline on 13 11 14 and Beyond Blue on 1300 22 4636 offer support any time. You can also explore our Help Centre for more guidance, and remember this page is general information, not advice.
Good to know
- Free, independent advice puts someone knowledgeable on your side.
- Counsellors explain your options, help you budget, and can talk to us for you.
- Getting outside advice is a smart move, not a weakness.
- Start with the National Debt Helpline on 1800 007 007.
FAQ
Is independent advice really free?
Yes. Financial counselling through the National Debt Helpline is free and independent. Be cautious of anyone charging fees for this kind of help.
Will getting advice slow down my account?
No — if anything it helps. Let us know you are getting advice, and we can work with you or your counsellor to sort out something manageable.
Can I get advice before I talk to Merion at all?
Absolutely. Many people speak to a free financial counsellor on 1800 007 007 first to feel clear and prepared before they contact us.
Still stuck? Our team is happy to help you sort it out.