When it comes to getting on top of debt, the most important thing is to get started.
If debt is worrying you, this hub points you to the Moneysmart pages that can help. Read the short summary for each link and choose the one that matches your situation.
General debt management information
check_box Get debt under control - Learn how to list debts, make a simple budget and set repayment priorities.
check_box Credit scores and credit reports – Learn what a credit report shows, get your free credit report and see what lenders will see about you.
check_box Net worth calculator – Use the net worth calculator to check if your total assets outweigh your debts, and the strength of your current financial situation.
check_box Debt consolidation and refinancing - Compare the costs and benefits of combining debts or changing loan terms.
If you need to take immediate action
check_box Urgent help with money - Find immediate steps and emergency services if you can’t pay for food, rent or utilities today.
check_box Problems paying your bills and fines - Find steps and contacts for overdue utility bills, council fines and government charges.
check_box Dealing with debt collectors - Know your rights, how to respond and how to dispute a debt or stop harassment.
check_box Repossessed car or goods - Find what to do if a lender has repossessed property and how to challenge it.
Other steps to know about
check_box Financial hardship - Financial hardship assistance can be an arrangement with your lender to alter your repayments or set up a payment plan.
check_box Credit repair - Learn what you can and cannot change on your credit report, and how to fix errors on your credit file for free.
check_box Bankruptcy and debt agreements - Read about the steps, costs and long term effects of bankruptcy and debt agreements.
If you need help and advice
check_box Financial counselling - Find free, independent counsellors who can help you make a plan and contact creditors.
check_box Free legal advice - Find community legal centres that can help with issues like fines, credit and debt, parenting orders, family violence and child protection
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. Or live chat, Monday to Friday, 9:00am to 8:00pm. Aboriginal and Torres Strait Islander peoples can call the free Mob Strong Debt Help on 1800 808 488. The helpline is open Monday to Friday, 9:30am to 4:30pm.