Financial Counselling Service

Helpful resources for those experiencing financial disadvantages.

The Energy Accounts Payment Assistance (EAPA)

The Energy Accounts Payment Assistance (EAPA) Scheme helps financially disadvantaged people experiencing difficulty paying their electricity or gas bill because of a crisis or emergency situation. The scheme helps people stay connected to essential energy services during a financial crisis. This scheme is not available on an ongoing basis. EAPA is only one type of assistance available and should not be considered as the only option for those unable to pay their electricity or gas bill. The EAPA Scheme operates through a voucher system.
Information is available on the government website in community languages.

Information on EAPA Provider Contact List for Teleconference Assessment click here.

Moneycare: Salvation Army Financial Counselling Service

For people who are not located near a Moneycare office or require this facility for financial counselling via correspondence — anyone who requires assistance in this way should contact their local Salvation Army Community Services Centre and the office will in turn contact the nearest Moneycare branch. For areas without a Moneycare office of Community Service Centre, call 1300 36 36 22.
Telephone: 1300 36 36 22


Moneysmart is a website that provides information to help people make smart choices about their personal finances. It is created and run by the Australian Securities and Investment Commission (ASIC). ASIC is the financial services regulator, an independent agency of the Australian Government.

MoneySmart offers free, independent guidance online so people can make the best choices about their money. Financial counselling is a free service offered by community organisations, community legal centres and some government agencies. Financial counsellors can help you solve your money problems. Financial counsellors provide a free, confidential and independent service.
Telephone: 1300 300 630

Wesley Mission − Credit Line

For immediate and free assistance, call the Credit and Debt Hotline service to speak with a financial counsellor. They can assist you on what to do next and who to see regarding your financial difficulties.
Telephone: 1800 007 007

National Debt Helpline

The NDH is a not-for-profit service that helps Australians with their debt problems. Professional financial counsellors offer a free, independent and confidential service.
Telephone: 1800 007 007