Talk to a financial counsellor or community legal service. Financial counsellors help you with money problems and can help talk to the people chasing you to work out a plan. This is a free, private service.

Text based resources about this topic


Find a Financial Counsellor

This website will help you find a financial counsellor near to you.

Debt Self Help

This website offers free financial counselling to help fix your debt yourself.

Welfare Rights (Centrelink)

This webpage explains how to get help with Centrelink problems

Dealing with debt collectors

This webpage explains what to do when people are chasing you for money

Urgent help with money

This brochure shows where to get urgent help when you have problems with money

Glossary: What these words mean


Credit can mean two things:

  1. when a bank gives you money and trusts you to pay it back by a certain date. For example, you might have a credit limit of $1000 on your credit card. This means that you can spend up to $1000 because the bank thinks you will be able to pay it back.
  2. when you have paid more money for something than you needed to. Credit is the extra money you paid.

Debt is owing someone money.

This website gives general legal information. It is not legal advice. If you need advice for your problem, please talk to a lawyer.

Click here to find a legal service near you.

If there is information on this website that you think is wrong please contact us.

This website is a project of the NT Community Legal Education Network.
logo-ppt It has been developed with the generous support of the Law Society Public Purposes Trust.