HAVING DIFFICULTY PAYING YOUR BILLS?
We are funded by the Department of Social Services for Problem Gambling related Financial Counselling.
From time to time, many people find themselves struggling to buy food, pay the rent or mortgage and can be juggling numerous debts. If you’re in this situation, a financial counsellor can help you understand your options so that you can get back on your feet.
Financial Counselling is one of our free, confidential services available to support people experiencing financial difficulties, financial crisis, or debt.
Our Financial Counsellors can:
Help you to understand your rights and responsibilities (including consumer rights)
Help you explore options to manage financial difficulties
Conduct a full assessment of your financial situation, including regular income and expenditure, assets and liabilities
Information and options for change and improvement
Advocate on your behalf and negotiate with debt collectors. This can prevent harassment calls
Advocate on your behalf and negotiate with banks and other lenders
Provide information regarding National Hardship Register
Information on credit laws, the debt recovery process, pre-insolvency advice, bankruptcy and other areas of legislation (law)
They can also:
Offer budget counselling and information sessions
Advise and assist with problems related to debt and dealing with debt enforcement
TERMS AND CONDITIONS
Financial Counselling is a free service provided by qualified and accredited financial counselors. We work with you during financial difficulty or crisis with the aim of improving your situation.
Financial Counselling does not provide you with welfare or emergency relief. We do not provide loans. We do not provide financial planning services. Financial counsellors are not accountants, solicitors, or financial planners. We may be able to help you access these services if you require their assistance.
What do we expect from you?
It is important that you are involved in the financial counselling process as much as possible and that you are actively involved in improving your own situation. You need to supply all relevant information and documents regarding your situation. The information that you supply is vital to our counsellors providing you with the best possible options to work with us to improve your situation.
Rights and Responsibilities
We will treat you with dignity and respect. You are responsible for treating us with dignity and respect. You have the right to be free from abuse and aggression and the responsibility to refrain from being abusive or aggressive when working with us to improve your situation.
Your personal information will be dealt with in a confidential manner. We will work with you in ways that respect your right to privacy. We may have to disclose information about your circumstances for legal, contractual and professional purposes either as agreed in authority forms or for other reasons such as by subpoena; statistical data collection for funding departments and for professional supervision of counsellors. We will discuss disclosure of information with you as the situation arises.
We deal with all complaints quickly and fairly. Please ask for a complaint form should you wish to make a complaint about our service. This can be completed anonymously if you wish.
Please advise us if you have previously seen a financial counselor.
If you do not understand any part of this document or have any other question or inquiries please do not hesitate to ask for assistance or further information.