If you are having trouble paying bills or making repayments on a loan or debt you can ask your lender or service provider for financial hardship assistance.
Doing something about it straight away can make a big difference as the sooner you make contact the more options that are available.
The first thing to do is to contact your lender or service provider to discuss your situation and options. Most companies, banks and service providers have a hardship team that you can speak to.
If you've received notice that you are being taken to court because of a debt please seek free legal advice straight away.
If you are experiencing financial hardship, and wish to have a free, confidential and independent conversation and access to a free financial counselling service that will consider all your options for dealing with your debt and getting back on track call the National Debt Helpline on 1800 007 007 or click on the number below.
Last updated 2 December, 2020