Assisting you to deal with debt and organise your finances
Financial counsellors provide a free, independent and confidential service. They can help you organise your budget, suggest ways to manage your debt and refer you to other useful services. Financial counsellors can assist in matters around consumer credit law, debt enforcement practices, bankruptcy, industry hardship policies and government concessions.
Our counsellors can provide information about:
- your options to deal with debt
- negotiating with creditors
- your rights and responsibilities as a consumer
- accessing your superannuation
- bankruptcy and its alternatives
- referral to legal services if needed
- money management and budgeting
You can meet with counsellors in Hobart, Glenorchy, Launceston, Devonport and Burnie, and they also make regular visits to Huonville, Sorell, Bridgewater, Rokeby, New Norfolk, Georgetown, Scottsdale, Exeter/Beaconsfield, Ravenswood, Deloraine, West Tamar, St Marys, St Helens, Deloraine, Smithton and the Tasmanian prisons.
Community-based organisations can request education sessions for their members about any finance related issue.
My ex-partner and her mother stayed at my house for a while and when I got the power bill it was over $700! My bills are normally about $300 and I couldn't afford any more.
When I contacted the financial counsellor he talked to me about "affordability" and that really helped. I told him I was paying back a rent debt because of my ex, but that I'd have that cleared up in a couple more fortnights. I was also paying a loan which was going to be finished in August. I didn't want to start any more payments until then. The counsellor said that my power company would want regular fortnightly payments to cover the minimum cost for the power that I use. We figured out I could do $30 to $50. The counsellor rang my power company and found out that my usage is $57 and then he talked about my situation with my power company's hardship program. They ended up agreeing to one payment now and then I'd call early August and set up payment plan.
Without the counsellor's help I'd be in the dark by now.
How to access Financial Counselling Service
Simply call the Financial Helpline.