Bills and debt
Power, phone, water, fines and debts that keep growing. There is almost always more room to move than it feels like.
Free, private, no appointment
What we do
- Call your power, gas, water or phone company with you to set up a payment plan
- Apply for hardship programs, concessions and bill relief
- Connect you with a free financial counsellor
- Help with no-interest loans for things you really need
- Help with fines: payment plans, or asking for a review
Before you come
What to bring
- The bills or letters you’re worried about
- Any final notice or disconnection warning
- Your concession or health care card, if you have one
A disconnection warning? Come in today, or call us.
Also free
Other places that can help
If another service is a better fit, we’ll help you contact them, and we’ll still be here.
- National Debt HelplineFree, independent financial counselling, weekdays1800 007 007
- No Interest Loan SchemeLoans for essentials, with no interest or fees13 64 57
- Energy and Water Ombudsman QueenslandFree help with a power or water company that won’t fix a problem1800 662 837
- Gambling HelpFree, confidential support, 24/71800 858 858
Questions people ask
Do I have to pay for a financial counsellor?
No. Financial counselling is free, confidential and independent. Financial counsellors don’t sell anything and don’t lend money.
My power is about to be cut off.
Call your energy company today and ask for their hardship program. Most must offer help to customers who are struggling to pay, and must follow rules before cutting you off. Not sure what to say? Come in and we’ll call with you.
Should I use a payday loan or buy now, pay later?
Talk to us or the National Debt Helpline first. These can cost much more than they seem. A no-interest loan is often a better choice.
Not sure? Just come in.
Tell us what’s going on, in your own words. If it’s more than one thing, that’s normal. We’ll work it out together.
Help with something else
- Centrelink and payments Make a claim, fix a payment, or find out what you can get.
- Rent and housing Behind on rent, about to lose your place, or nowhere to stay tonight.
- Food and essentials Food, toiletries, nappies and other things you need this week.
- Family and safety Worried about your safety, or someone at home. We’ll help you reach the right people.
- Work, study and next steps A mentor to help with a job, a course, paperwork or a plan for what’s next.