When it comes to getting on top of debt, the most important thing is to get started.
- Find out what you can do to manage mounting bills and where to go for help.
- Know your rights when you owe money and how to deal with debt collectors.
- Understand the risks before signing a debt agreement or declaring bankruptcy.
- Find out how to check — and fix — your credit score for free.
If you don't know where to start, call the free National Debt Helpline on 1800 007 007. The helpline is open Monday to Friday, 9:30am to 4:30pm.
Aboriginal and Torres Strait Islander peoples can call the free Mob Strong Debt Helpline on 1800 808 488. The helpline is open Monday to Friday, 9:30am to 4:30pm.
If you are having trouble with debt, some companies may charge you to fix errors on your credit report. Or negotiate a payment plan with your credit provider. You can do these things yourself for free. Or, if you need help, talk to a financial counsellor for free.