Services that can help

 

Financial counsellors can provide free, confidential and independent advice about debts, money management and the debt recovery system. They act as negotiators with creditors, and provide paralegal advice on credit, debt and bankruptcy. A directory of financial counselling organisations is in Financial counselling services.

If you need to seek legal advice, you can contact the Consumer Action Law Centre, your local community legal centre or VLA (see Legal services that can help, for contact details).

Consumer Action Law Centre

The Consumer Action Law Centre (CALC) provides free legal advice and representation to vulnerable and disadvantaged consumers across Victoria. CALC advise you about whether you have grounds to dispute a debt. CALC’s website has fact sheets about credit and debt.

Consumer Action Law Centre

Tel (consumer advice lines): 9629 6300; 1800 466 477

Web: www.consumeraction.org.au

Consumer Affairs Victoria

You can contact Consumer Affairs Victoria about debt problems.

Consumer Affairs Victoria

GPO Box 123, Melbourne Vic 3001

Tel (consumer help line): 1300 558 181 (Monday–Friday, 9 am–5 pm)

Web: www.consumer.vic.gov.au

CAV has offices in metropolitan (Carlton and Dandenong)and regional Victoria; see their website for office contact details.

MoneyHelp

MoneyHelp provides free, confidential and independent financial advice to Victorians who are struggling to pay their mortgage or rent, or have experienced, or are facing, job loss or reduced working hours. MoneyHelp also offers a free financial counselling service.

MoneyHelp

Tel (counselling service): 1800 007 007 (Monday–Friday, 9.30 am–5.00 pm)

Web: www.moneyhelp.org.au

Victorian Legal Aid

VLA’s booklet, Debt Problems: The Law, Your Options (January 2013) provides information about what can happen if you do not pay your debts. This booklet is available from VLA’s website.

Victoria Legal Aid

Tel (legal help line): 1300 792 387 (Monday–Friday, 8.45 am–5.15 pm)

Web: www.legalaid.vic.gov.au

VLA has offices in metropolitan and regional Victoria; see their website for office contact details.