Individuals enter into financial hardships for most reasons. In debt, there is help available if you find yourself.

Produce a payment plan

You owe money to) as soon as possible to discuss a repayment plan if you cannot meet your financial commitments, contact the creditor (the business or person.

When negotiating a payment plan, be practical by what you can easily spend, taking into consideration your other monetary commitments. Be truthful because of the creditor or financial obligation collector regarding your situation.

Prepare and adhere to a spending plan in order to avoid debts accumulating and using you by shock.

Keep copies of bills, payment receipts or receipt figures, any letters you send or get, and records of every conversations you’ve got utilizing the creditor.

Contact the Nationwide Debt Helpline

Phone the National Debt Hotline on 1800 007 007 at no cost and confidential advice from expert economic counsellors. The hotline is available from 9.30 am to 4.30 pm, to Friday monday.

You may also look at the National Debt Helpline web site for step by step guides describing how exactly to fix typical financial obligation dilemmas, such as for example how to proceed in the event that you can’t pay your time bills, internet or phone bills, home loan, bank cards, or payday advances.

Look for economic counselling

A free of charge and separate monetary counselling solution might be able to allow you to if you’re having difficulty spending your financial situation or handling your allowance.

Totally Free financial counselling solutions can be found in every state and territory – learn more on ASIC’s MoneySmart site.

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