Where Can I Get Free Debt Help?

Free, independent support

If you are dealing with debt, you do not have to manage it alone. Australia has free, independent financial counselling services, including the National Debt Helpline on 1800 007 007, which offers confidential help.

These services are not connected to any creditor or collector, and their role is to support you. Reaching out early, before a situation feels overwhelming, often makes the biggest difference.

At Merion we are glad when people get good support. You can also contact us directly with questions about an account.

What financial counselling involves

A financial counsellor can help you understand your situation, review your options, and work out a realistic plan. They can explain how different choices might play out and help you prioritise.

This support is practical and non-judgemental. Whether your debts are personal or business-related, talking things through with someone independent can bring clarity and reduce stress.

Confidential and judgement-free

Seeking help is a sensible, responsible step, not something to feel embarrassed about. Financial counselling is confidential, and counsellors are used to helping people in all kinds of circumstances.

Many people say that simply talking to someone independent helps them feel more in control. There is no downside to asking questions and understanding your position.

Help alongside dealing with a collector

Getting support and engaging with a collector are not in conflict. You can seek free advice and, at the same time, keep communicating about your debt, check that it is correct, and discuss realistic options.

This is general information only and not legal advice. Alongside the National Debt Helpline, you can visit our help centre or explore our Trust Centre for related guidance.