Financial Counselling for Individuals

Financial counselling support for people experiencing financial difficulty, providing information, support, assistance and advocacy.

Why seek financial counselling?

Personal financial pressures and debts can cause stress, lack of sleep and anxiety. At Better Place Australia, our financial counselling service will assist you in tackling your debts and financial pressures. You might feel embarrassment or shame about seeking help. Better Place Australia’s Financial Counsellors are non-judgmental about your circumstances. They’re here to offer you free, confidential and independent advice.

There are many and varied reasons people find themselves facing financial hardship.  No two situations are ever the same. Your circumstances are unique to you and we tailor the advice to meet your needs.

Common situations are:

  • Separation or relationship breakdown
  • Committed to unmanageable repayments
  • Loss of income/ reduced income
  • Mortgage stress/difficulties
  • Mental illness
  • Physical health issues
  • Addiction
  • Losses from gambling
  • Experiencing family violence
  • Trouble making ends meet

Our Financial Counsellors provide you with information and options to manage your debts or your budget. Where necessary, this may include supporting you in dealing with your creditor/s.


Who is it for?

Financial counselling can assist if you are experiencing the following problems:

  • Behind on your rent or mortgage
  • Unable to pay minimum monthly payments on credit cards or loans
  • Overcommitted with debt
  • Difficulty paying fines or infringements
  • Worried about your car being repossessed
  • Loan guarantor issues
  • Contemplating or facing bankruptcy

The important thing is to seek help quickly. Don’t ignore your debt.


How does it work?

A Financial Counsellor can provide assistance to help you sort out your money troubles.

We will help you stand up for your rights with credit providers, debt collectors and more. Our Financial Counsellors have the experience and knowledge to provide options and strategies for financial difficulty.

A change of circumstances, such as a separation or major financial loss can leave you in a position of not knowing your financial future. A Financial Counsellor can assist you in learning how to budget and how to manage your bills and life expenses.

Our Financial Counsellors can:

  • Suggest options to improve your financial situation
  • Assess if you are eligible for government assistance
  • Negotiate repayment arrangements with your creditors
  • Explain your options and their consequences, including debt recovery procedures, bankruptcy and other alternatives
  • If required, help you apply for a hardship variation
  • Assist you to prioritise your debts
  • Assist you to organise your finances and prepare a budget
  • Refer you to other services if required, such as: a gambling helpline, family support, mental health services, emergency relief, personal counselling or community legal aid


Before you attend a Financial counselling session

Please have available for your session any documents that you think may be important to help us understand your circumstances.

These documents may include:

  • Proof of income, such as a Centrelink Income Statement
  • List of transactions and/or bills, such as gas, electricity, rent or mortgage payments, other loans or credit card debt
  • Any other regular bills that you pay
  • Any legal documents relating to your money/financial commitments
  • Any other relevant financial statements


Our service doesn’t allow us to:

  • Provide financial advice related to assets
  • Provide legal advice
  • Manage assets for you
  • Provide debt agreement services


Fact sheet

Financial Counselling – Fact sheet

Learn more

Read the Examination of Financial Hardship, Debt and Poverty Amongst 1900+ Users of the Better Place Australia Financial Counselling Service. Part of the research of Centre for Better Relationships (CBR).

CBR is the research arm of Better Place Australia.

Find out more about this service

Make an enquiry

This service is available at these locations

Get Support

Please make an enquiry if you would like to book an appointment for one of our services. Alternatively, you can live chat with us during business hours.

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