Financial Stress

If you are struggling to pay the bills or already behind with your loans, you are not alone. Financial Rights specialises in helping people in financial stress. Choose a topic below to find fact sheets and sample letters, with options to manage your debts. Know when to contact us for free financial counselling or legal help.

Joanne’s Story: Financial Stress

Joanne has limited education and employment skills. She has two dependent children who live with her. Joanne recently lost her job. She lives in a regional area with reduced opportunities for finding new employment and was receiving Centrelink Jobseeker payments. A financial counsellor worked with Joanne showing she could meet her living expenses without relying on her credit card, which she was initially hesitant to close.

The financial counsellor negotiated for the home loan arrears to be capitalised and the interest rate applied reduced by 2% to help with her ongoing financial management. The financial counsellor also negotiated for her credit card debt of $8,000 to be waived.

Debt Problem Solver

Answer a few questions to understand what steps you can take and where to find help when debts are piling up.

Motor Vehicle Accident
Problem Solver

Answer a few questions to identify your rights and what steps to take after a car accident.

Loans & Credit

Small Loans

Debt Enforcement

Family Breakdown

Other Debts

Bills & Utilities

Fact Sheets

Find out more information from our Fact Sheets below.

Sample Letters

Find out more information from our Sample Letters below.

Financial Counselling Australia coordinates the National Debt Helpline (NDH), which consists of a national phone service operating under the 1800 007 007 number and is complemented by the NDH website.

Financial Rights is one of two services in NSW that answers the NDH. If you are struggling with debt, you can talk to a free financial counsellor over the phone on 1800 007 007.

NDH is a not-for-profit service that helps people tackle their debt problems. It is not a lender and does not ‘sell’ anything or make money from you. The NDH professional financial counsellors offer a free, independent and confidential service.

NDH is here to help you get back on track

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I feel my matter is very complex and I found you guys were able to help me navigate through this matter. Also leaving me with a full understanding of where I stood and what I need to do from here. Thank you.

Acknowledgement of Country

Financial Rights acknowledges Aboriginal and Torres Strait Islander peoples as the traditional owners and celebrate the diversity of Aboriginal peoples and their ongoing cultures and connections to all lands and waters. Financial Rights acknowledges the Gadigal people of the Eora Nation as the traditional owners and custodians of the land on which our main office is located. We pay our respects to Elders past and present and future traditional custodians and Elders of this nation and the continuation of cultural, spiritual and educational practices of Aboriginal and Torres Strait Islander peoples.

Aboriginal and Torres Strait Islander peoples should be aware this website may contain images or names of people who have passed away.