What is MoneyHelp

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MoneyHelp is a website with information and useful resources including sample letters, guides and fact sheets supported by the Victorian and Australian Governments to provide free, confidential and independent information to Victorians who are experiencing financial difficulty.

Victorians can access National Debt Helpline’s free* phone and email financial counselling service Monday to Friday 9.30am – 5pm on 1800 007 007 or by email through the MoneyHelp website www.moneyhelp.org.au

MoneyHelp encourages people to contact a National Debt Helpline financial counsellor for assistance with their money or debt problems. If they seek advice early they will have more options for managing their finances through what may be a period of limited income.

When to contact a NATIONAL DEBT HELPLINE financial counsellor

When struggling with living costs such as credit cards, rent, mortgage, school fees or faced with job loss or reduced working hours, it may be useful to get advice about managing your finances. Victorians are encouraged to contact National Debt Helpline’s financial counselling service if they:

  • have more debt than they can manage;
  • are receiving threatening letters from, or being harassed by, creditors or debt collectors;
  • are struggling to pay their rent or mortgage;
  • have been taken to court for the recovery of outstanding debts;
  • are facing eviction or have been evicted from rented premises due to rent arrears;
  • are not able to pay their gas, electricity, water or phone bills and are being threatened with disconnection; or
  • are being pursued for uninsured car accident debt, tax debt and/or unpaid fines.

National Debt Helpline’s financial counsellors do not judge or chastise people about how they manage their money. Financial counsellors will reassure them they are not alone in experiencing financial hardship, confirm that managing on a limited income can be very challenging, and demonstrate how a person’s efforts to resolve their debt issues can make a big difference.

How does the MoneyHelp website work?


The MoneyHelp website offers multi-entry points for people seeking information, tools and tips regarding the management of their finances and debts due to unexpected changed circumstances.

The website can be used to prepare a budget, prioritise debts, learn about hardship programs and compare available debt payment options. The site is designed so a user can access information relevant to their particular circumstances directly from the home page, whether it’s their mortgage, credit card, utility bill, child support payments or another debt.

Alternatively, the site can be toured to get an overview of how to manage on a limited income (regardless of one’s employment status), stay positive, become aware of available help, and begin to look for a new job in the employment market.

The website provides tool and tips, including step-by-step guides on how to speak to creditors and sample letters to use when requesting consideration for condition of financial hardship.

How can i get a copy of moneyhelp’s fact sheets?

MoneyHelp’s fact sheets can be downloaded from the MoneyHelp website www.moneyhelp.org.au.



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*Calls from mobile phones may incur a fee from the mobile phone carrier

Last updated April 2018