National Debt Helpline

National Debt Helpline
National Debt Helpline

We provide free telephone legal advice and financial counselling to NSW consumers on credit, debt and banking matters. However we cannot provide advice to businesses.

We are part of the Financial Rights Legal Centre
Our Centre consists of a team of solicitors and financial counsellors. When you call we will usually only give you legal and financial advice on what YOU CAN DO to resolve your credit, debt or banking situation.

Contacting us

Legal advice and financial counselling is available by talking to one of our solicitors or financial counsellors over the phone by calling 1800 007 007.

If you or your client are having difficulty contacting our advice service because of a disability or problems using an interpreter service, please let us know on our administration line (02) 9212 4216.

If you are simply having difficulty getting through to us, please be patient and persistent – we are a small service with limited resources and we are often very busy!  You can leave a message if you wait long enough.

Need an Interpreter or have a hearing disability?

Interpreters are available by calling 131 450, and for the hearing or speech impaired, we recommend the National Relay Service which is a service provided by the Australian Communication Exchange (TTY) 133 677 (SRS) 1300 555 727.

What YOU should do BEFORE you call

  • Read any relevant Factsheets on our website.
  • Please do NOT call on behalf of someone else. We will NOT be able to help you.
  • Please have any relevant documents at hand. Examples could include:
    • Bank statements
    • Bills and account statements
    • Legal notices
    • Contracts
    • Letters received
  • Please have a PEN and PAPER handy, as we will often give you phone numbers to call or websites to visit.
  • Think about what you are hoping to achieve in your situation.

Legal Assistance (not just Legal Advice)

In some cases, clients may be eligible for Written Advice or Further Assistance from Financial Rights Legal Centre. Read Legal Assistance for details.

The National Debt Helpline assists by providing:

  • Detailed advice and strategies for dealing with financial difficulties
  • Detailed advice and strategies for negotiating with creditors
  • Legal advice
  • Information about court processes in relation to debt collection
  • Referrals to face-to-face financial counselling and information on how to prepare for a financial counselling appointment
  • Information and referrals to other services
  • Reassurance and perspective about financial matters
  • Representation and casework in limited circumstances
1800 007 007
, ,
PO Box 538
New South Wales
National, Sydney – Inner City

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National Debt Helpline