Financial difficulties can affect anyone at any time. Well done on taking the first step to getting back on the right track. As a not-for-profit organisation, UnitingCare can provide you with free Financial Counselling and education that works.


Our aim is to help you learn to become more financially resilient by educating you about your rights and responsibilities in relation to credit and debt issues. We can also connect you with other financial resources and services.


Financial difficulties


Financial difficulties can affect any Australian at any time in their lives. Remember, you are not alone! To help you get through this difficult time, we’ve prepared some information about the consequences of what is going on and some preventative measures you can take to stop it from getting worse. Browse the topics below to read more. 


Don't worry – financial freedom is possible, and it gets easier with every step!

Know your rights and what to do when a debt collector – someone who is paid to collect your debt – comes calling.

Find out the risks when one family member asks another family member to finance or act as guarantor on their debts.

Decide which bills to pay first, how to get help to pay them, and how to prevent your debt from escalating.

Bankruptcy is a legal process that releases you from most of your debt, but it can have serious consequences.

red headed couple happily reading a letter

How we can help

Our Financial Counsellors can help you to navigate your situation and make the best decisions for you and your family. Just call the National Debt Helpline on 1800 007 007, which we operate in Queensland. One of our dedicated Financial Counsellors will guide you through your options and, if necessary, book an appointment to meet face-to-face.


Our service operates across Queensland and we are experienced with all kinds of financial problems. Our team is committed to each caller, providing the information you need to empower you to make the right choices in response to your unique situation.


We also work closely with financial institutions, energy companies and debt recovery organisations to educate them on issues of financial hardship and consumer rights.


The information contained on this website is general in nature and does not take into account your personal situation. For more information, view our disclaimer.
women meeting with finance councillor
Looking for guidance?
Contact us today to organise a meeting with one of our financial counsellors.

A debt agreement is where all parties agree on a repayment towards a specific debt – but there are pros and cons.

Car repossession is traumatic and can affect your work, earning potential and family. Know what to do if you can't keep up with your loan repayments.

If you cannot pay your electricity bill, contact your energy provider as soon as possible – they may be able to come to an arrangement.

A budget is one of the most important tools to get your finances under control. Find out how to create one and stick to it.

Financial hardship can affect anyone, at any time – but don't despair. The government has several initiatives to help you get back on track.

Financial pressure can leave you feeling isolated and stressed, but there are steps you can take to get your situation under control.

The more information you can share with your financial counsellor, the better their understanding of your situation. Here's what to consider.

Find Financial Counselling services near you

Looking for more services? Try our service locator


Do you need urgent support?

Call us on 1800 007 007

To talk with one of our Financial Counsellors complete the form below. Please ensure you provide your best contact phone number and an outline of your situation and what you want to discuss with the Financial Counsellor. One of our Financial Counsellors will then get in touch with you within 2 business days and, if necessary, book you in for a face-to-face appointment.


After you submit the online form, we recommend that you start getting your financial documents together in preparation for your call. By having as much information as possible ready, the Financial Counsellor will be able to assess your situation quicker. You can read our page on preparing for your first appointment, specifically ‘What to bring to your appointment’ to get an idea of what documents may be helpful.


All submissions are treated confidentially and with respect.