Main Content

National Debt Helpline

Vinnies operates the National Debt Helpline in Western Australia.

How the National Debt Helpline works

When you’re in financial trouble you can call National Debt Helpline on 1800 007 007. Trained financial counsellors will assess your situation and provide you with free advice to help you move on. If your matter is more complex, they can refer you to your closest face-to-face financial counselling service.

Who you’ll speak to when you call the National Debt Helpline

Our financial counsellors are non-judgmental, qualified professionals who will guide you through your options and help you plan your way out of debt.

How long the helpline call takes

The length of your phone financial counselling session will depend on your individual enquiry. Our financial counsellors may arrange to call you back for a longer chat if needed, or they might ask you to pop in to see a counsellor in your local area if your situation is more complex.

When you call, try to have the following information ready:

  • Details of your income
  • A list of all debts
  • Copies of (or information about) all loan agreements
  • Details of current and outstanding bills
  • Copies of (or information about) any court documents you’ve received
  • Letters about bills and debts that seem urgent

If you don’t have everything, don’t worry. We’ll work through it with you when you call.

They may be able to assist you by:

  • Doing a full assessment of your financial situation to help you fully understand your position – including regular income and expenditure, assets and liabilities
  • Providing advice on how to negotiate with creditors, government agencies or other business providers
  • Negotiating directly with creditors on your behalf in certain circumstances
  • Providing advice about what options, rights and responsibilities you may have
  • Referring you to other services you may need, such as legal services, crisis food and accommodation services, and health services

They can provide information and advice about:

  • Credit and debt-related matters
  • The rights of debtors
  • The pros and cons of bankruptcy
  • Working out a realistic payment plan for debts
  • How to access other specialist support services, including gambling, family support, personal counselling, legal aid and emergency relief

Financial counsellors don’t:

  • Charge any fees for this service
  • Complete tax returns
  • Provide investment advice (that’s the role of financial planners)

For the National Debt Helpline, call 1800 007 007

Monday to Friday 9:30am to 4:30pm

For Financial Counselling, call 08 6323 7500 or email

Monday to Friday 8:30am to 4:30pm

This is a free and confidential service arranged by appointment only.