Free legal advice

Free legal services

If you are in debt and have legal problems, you may not be able to afford a private solicitor. However, community legal centres and Legal Aid agencies offer free legal advice, and services are available in every state and territory.

Community legal centres

Visit National Association of Community Legal Centres (NACLC) for details of community legal centres across Australia or call NACLC on 02 9264 9595.

You can also look up the 'Community Advisory Services' section of the Yellow Pages for a list of community legal centres.

Legal Aid

Consumer credit legal services

Video: How credit and debt advice services can help

Mortgage help-Debt advice video

Alexandra from the Consumer Credit Legal Centre (now called the Financial Rights Legal Centre) tells how she helped a woman in financial difficulty who was $8,000 behind on her mortgage.

Women's legal services

State Organisation Contact details

Women's Legal Centre (ACT and Region)

(02) 6257 4499


Women's Legal Services NSW

(02) 8745 6900

Northern Territory

Top End Women's Legal Services

Central Australian Women's Legal Services

(08) 8982 3000 or 1800 234 441

1800 684 055


Women's Legal Services Queensland

North Queensland Women's Legal Services

1800 957 957 or 1800 457 117 (rural, regional and remote)

1800 244 504

South Australia

Women's Legal Service (SA)

(08) 8221 5553 or 1800 816 349


Women's Legal Service Tasmania

1800 682 468


Women's Legal Service Victoria

(03) 8622 0600 or 1800 133 302

Western Australia

Women's Law Centre

(08) 9272 8800 or 1800 625 122

Sample complaint letters

The Financial Rights Legal Centre have a sample letter generator to help you creating professional and legal letters to send to financial service providers like banks, creditors and insurance companies. Letters about credit, debt and banking are only applicable in NSW, but the insurance-related letters can be used all over Australia.

Don't be afraid to ask for help, whatever your legal and financial situation. Be assured that if you seek financial counselling, your details will be kept confidential.

Related links

Last updated: 28 May 2018