AFCA provide consumers and small businesses with fair, free and independent dispute resolution for financial complaints. When you make a complaint, they follow a complaint resolution process that provides free and fair outcomes. The service is free to access.

Are you struggling to get your money under control? The Salvation Army’s free Moneycare financial counselling service is here to help.

Please note: Moneycare financial counselling does not provide emergency cash loans, vouchers or emergency relief.

The No Interest Loan Schemes (NILS) program helps people on low-income by providing interest free loans for essential items and services.

If you have unpaid bills and a debt collector (sometimes called a “mercantile agent”) contacts you, call the National Debt Helpline on 1800 007 007 for free advice or Energy & Water Ombudsman NSW (EWON). For more information contact the Financial Rights Legal Centre.