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A Financial Counsellor can help you by:

  • Assessing your financial situation.

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  • Providing support on managing debts,            loans, and fines. 

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  • Creating practical budgets and effective strategies tailored to supporting you.

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  • Negotiating with creditors, including banks, utilities, telcos, government agencies, the ATO & more.

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  • Supporting you if you’re being harassed by debt collectors, ensuring your rights are protected.

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  • Referring you to additional services, such as legal, accommodation, health, and crisis support.

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  • Identifying other assistance, you may be eligible for, including concessions and government programs.

A person receiving financial counselling

We can also help with:

  • Negotiating repayment plans

  • Credit card debt

  • Budgeting

  • Money management

  • Applications for Nils loans 

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  • Credit contract issues

  • Bankruptcy & Alternatives

  • Rental/Morgage problems 

  • Over commitment

  • Referrals to other agencies

  • Potentially helping you access your superannuation in hardship 

After financial counselling, many people feel relived, more confident and less stressed about their financial situation.​ 

​​They often feel EMPOWERED with a clearer understanding of their financial goals and how to achieve them

 

That’s how we help.

What is a Financial Counsellor? 

Money mentors logo

A Financial Counsellor is a skilled, qualified professional. They have specific knowledge about credit, debt collection and bankruptcy laws. They understand the social security framework. They know about industry’s obligations when you are in hardship. They are trained in negotiation and counselling. They can negotiate on your behalf with your creditors. They are here to help you. 

What we DON’T do: 

Financial COUNSELLORS can be confused with financial PLANNERS/ADVISORS. The services provided are quite different.

Money Mentors do not provide financial planning services or financial advice 

 

Financial COUNSELLORS help people who have debt or are not able to meet their ongoing expenses. They provide free education. 

 

Financial PLANNERS/ADVISORS provide tailored advice to individuals who have money to invest. They develop financial plans to achieve goals and provide advice in areas such as investing, superannuation, insurance and estate planning.  They charge a fee for their service. 

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Urgent Food Assistance and Financial Support

If you urgently need help to buy food, we can connect you with local agencies that may be able to assist you. Please refer to the ‘OTHERS WHO HELP’ section to find an agency near you

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Please note, we do not provide emergency relief services directly. However, our Financial Counsellors have strong relationships with emergency relief providers and can connect you to these services during your financial counseling session.​​​

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