For free, independent, expert advice about debts, budgeting and the debt recovery system, including bankruptcy, contact a financial counsellor. Financial counsellors provide paralegal advice on credit, debt and some finance-related consumer issues, such as banking and insurance problems. You will receive information about your rights and options for managing your situation and, where appropriate, the financial counsellor can act as a negotiator and provide assistance related to the advice given.

Financial counselling services are usually provided by appointment only and are located throughout suburban Melbourne and in regional areas of Victoria. To be directed to the service nearest to you, telephone the Financial and Consumer Rights Council on 9663 2000 or 1800 134 139 (toll free number available between 10 am and 4 pm, Monday to Friday) or go to their website at www.fcrc.org.au. There is a constant demand for these services so you may not be able to get an appointment straight away.