Financial counsellors are skilled professionals who will guide you through your options and help you plan your way out of debt

They may be able to assist you by: 

  • Doing a full assessment of your financial situation including regular income and and expenditure, assets and liabilities to help you fully understand your position.
  • Providing advice on how to negotiate with your creditors, government agencies or other business providers.
  • Negotiating directly with your creditors in certain circumstances providing advice about what options, rights and responsibilities you may have.
  • Referring you to other services you may need, such as legal services, crisis food and accommodation services, and health services. 

They can provide information and advice about:

  • Credit and debt-related matters.
  • The rights of debtors.
  • The pros and cons of bankruptcy.
  • Working out a realistic payment plan for debts.
  • How to access other specialist support services, including gambling, family support, personal counselling, legal aid and emergency relief.

Then it's up to you to make the decisions about how to manage your situation with the advice you've been given.

Financial counsellors don't:
  • Charge set up fees and/or ongoing fees for service.
  • Complete tax returns.
  • Provide investment advice (that's the role of financial planners).


Suite 7 Wellington Centre, 2 Portrush Rd.
Payneham SA 5070