Contact details for national, state or territory organisations which may be able to offer further help.
Free Financial Counselling
Free specialist Legal Advice and Financial Counselling
Legal Assistance
Getting Help in your Language
External Dispute Resolution (EDR)
Consumer Protection Regulators
Free Financial Counselling
National
National Debt Helpline: 1800 007 007
Find a local financial counsellor through the National Debt Helpline website.
Small Business Debt Helpline: 1800 413 828
Free specialist Legal Advice and Financial Counselling
Specialist Credit Law Advice (Community Legal Centres)
New South Wales (NSW)
Financial Rights Legal Centre: 1800 007 007
Australian Capital Territory (ACT)
Consumer Law Centre ACT: (02) 6257 1788
Queensland (QLD)
Caxton Legal Service (QLD): (07) 3214 6333
South Australia (SA)
Consumer Credit Law Centre (SA): (08) 8342 1800 or 1300 886 220
Victoria (VIC)
Consumer Action Law Centre (VIC): 1800 466 477
Western Australia (WA)
Consumer Credit Legal Service (WA): (08) 9221 7066
Specialist Insurance Law Service
National
Insurance Law Service: 1300 663 464 (service provided by Financial Rights Legal Centre)
Legal Assistance
Community Legal Centres
To find your nearest community legal centre anywhere in Australia go to the Community Legal Centres Australia website.
Legal Aid
• Legal Aid New South Wales: 1300 888 529
• Legal Aid ACT: 1300 654 314
• NT Legal Aid Commission: 1800 019 343
• Legal Aid Queensland: 1300 651 188
• Legal Services Commission South Australia: 1300 366 424
• Tasmania Legal Aid: 1300 366 611
• Victoria Legal Aid: 1300 792 387
• Legal Aid Western Australia: 1300 650 679
External Dispute Resolution (EDR)
Financial service provider complaints and disputes
Australian Financial Complaints Authority (AFCA)
1800 931 678 Email: info@afca.org.au
Address: GPO Box 3, Melbourne VIC 3001
Telecommunications complaints and disputes
Telecommunications Industry Ombudsman
1800 062 058 Email: tio@tio.com.au
Address: PO Box 276, Collins Street West VIC 8007 Fax: 1800 630 614
Energy provider complaints and disputes
NSW: Energy & Water Ombudsman NSW (EWON)
1800 246 545 Email: complaints@ewon.com.au
Address: Reply Paid 86550, Sydney South, NSW 1234 Fax: 1800 812 291
ACT: ACT Civil & Administrative Tribunal (ACAT)
NT: Ombudsman NT or Utilities Commission of the NT
QLD: Energy & Water Ombudsman Queensland (EWOQ)
SA: Energy & Water Ombudsman South Australia (EWOSA)
TAS: Energy Ombudsman Tasmania
VIC: Energy & Water Ombudsman Victoria (EWOV)
WA: Energy & Water Ombudsman Western Australia (EWOWA)
Tolling dispute
Tolling Customer Ombudsman (TCO)
1800 145 009 Email: admin@tollingombudsman.com.au
NSW/VIC Address: PO Box 7095 Hawthorn North Vic 3122
QLD Address: PO Box 2615 Mansfield QLD 4122 Fax: 03 9853 7782
Consumer Protection Regulators
Commonwealth
Australian Securities & Investments Commission (ASIC)
ASIC is the Commonwealth regulator for credit, insurance, financial planning, investment and corporations.
1300 300 630 MoneySmart (for consumers)
Address: PO Box 4000, Gippsland Mail Centre, Vic, 3841
Australian Competition and Consumer Commission (ACCC)
The ACCC is the Commonwealth regulator for consumer protection and fair trading laws.
1300 302 502 Address: GPO BOX 3648, Sydney NSW 2001
Australian Financial Security Authority (AFSA)
AFSA is the Commonwealth regulator which manages the application of bankruptcy and solvency laws.
1300 364 785 Email: info@afsa.gov.au Address: GPO Box 1550 Adelaide SA 5001
NSW
NSW Fair Trading
NSW Fair Trading has state responsibility for consumer protection.
13 32 20 Address: PO Box 972, Parramatta NSW 2124
Last updated: February 2023
