Government funded financial counselling services are FREE and CONFIDENTIAL – they are different to fee for service debt counsellors.

If at any stage of your contact with a ‘financial counsellor’ or ‘debt counsellor’ they ask you to sign an agreement which includes paying any costs or fees, check this out carefully and get advice from a free Government funded financial counsellor.

There are a growing number of services advertising on television, radio and in local newspapers that they can help you solve your debt problems.

Many of them are costly and don’t set out the full range of choices you may have. They may focus on one solution such as a Part IX Debt Agreement.

These “solutions” often provide greater financial benefit to the company offering them, than they will to you.