Are you struggling to meet your repayments? It is best that you contact your creditors as soon as you can to discuss your situation. There are a variety of options available depending on your circumstances, particularly for short term relief related to temporary income loss.

Each bank has its own hardship line with dedicated staff who can assist you. Below you can find a variety of different bank’s direct hardship lines and links to their Financial Hardship websites, we have listed the most common ones here.

There is a great online resource provided by the Australian Bankers Association called Doing it Tough worth a read.

You may also find it helpful to get help from a Financial Counsellor. The Financial Counsellors service is government funded and provides free independent advice and assistance to people who struggling with their finances.

We also offer a Free Financial Hardship – How To Fact Sheet that you can download together with a proforma Letter of Request and Statement of Financial Position that will need to be provided with your request.

You’ll need assistance obtaining your credit file, gathering information to help with your financial decision making, and someone to communicate confidentially with to nut out your issues in a better frame of mind. These contacts we have found will help you negotiate your way through this.


Veda is a provider of credit file information. Apply for your credit file online to see loan enquiries, credit providers, serious debts, credit infringements, commercial credit and public record information. – 1300 762 207


ASIC’s MoneySmart website provides financial guidance for Australians whether its about making the most of your money or paying off debt. – 1800 007 007


Financial Ombudsman Services (FOS) assist with dispute resolution for consumers and financial services providers. – 1300 78 08 08

If you’re facing emotional struggles during this tough time it’s important to ask for help and not try and hold on to all the stress that can contribute to making matters worse because you cant think straight.

Beyond Blue

Beyond Blue are an organisation that supports Australians who are struggling with anxiety and depression. – 1300 22 4636

The Salvation Army

The Salvos assist Australians with a wide range of services such as employment, emergency services, financial counselling and much more. – 1300 36 36 22

St Vincent de Paul Society

Vinnies assist and support Australian’s going through tough times. Vinnies helping with a wide range of issues such as disaster recovery to finances (money management, loans). – (02) 6202 1200

Centrelink – Social Workers

Centrelink Social Work Services helps people who are struggling with difficult times in life with confidential counselling and support. – 132 850

If you’re facing financial hardship we are here to talk about a solution. Call us on 1300 887 211 or Book a Free No Obligation Phone Consultation with our friendly team and we can discuss debt management options specially focused on your personal situation.