Financial Counselling
Financial counsellors can:
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Help you organise your finances and do a budget
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Suggest ways to improve your financial situation
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See if you are eligible for government assistance
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Negotiate repayment arrangements with your creditors
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Explain your options and their consequences, including debt recovery procedures, bankruptcy and other alternatives
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Help you work out a payment plan with creditors
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Refer you to other services, for example, a gambling helpline, family support, personal counselling or community legal aid.
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For further advice:
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EMERGENCY RELIEF SERVICES
Dreambuilders Church www.dreambuilderschurch.net
Anglicare www.anglicare.org.au Karnany Ph: 08 9274 7929
The Salvation Army Emergency Relief Services www.salvationarmy.org.au
Ph: 08 9260 9599
Blue Sky Community Group Ph: 08 9376 9999
Financial Tips & Understanding Money
http://www.moneysmart.gov.au
Money tips, About financial products, Scams, Unclaimed money, Trouble with debt,
Debt collection
Consumer Rights
www.accc.gov.au
Your rights
How to make a complaint
Bankruptcy
www.itsa.gov.au
Information for debtors
Seek assistance from Financial Counsellor
Superannuation
Consolidate accounts for a fee
.www.superseeker.super.ato.gov.au
Find your superannuation accounts for free
http://www.apra.gov.au
Information/forms required to get superannuation released early
Credit Check
www.mycreditfile.com.au
How to get your credit file free from Veda
Seek assistance from a financial counsellor
Centrelink
www.centrelink.gov.au
Information about payments
Compare payments/benefits
Centrepay-free bill paying service
Voluntary income management
Crisis payments
Centrelink fact sheets
Child Support
www.csa.gov.au
Estimate child support
Budget
Forms
‘Me and My Money’ booklet
Family Assistance
www.familyassist.gov.au
Information on payments and assistance to assist with costs of raising children
Online estimators/make claims/ update your information
Advance payments
Make payments you owe
Utilities
www.dcp.wa.gov.au/servicescommunity
About Hardship Utilities Grants
How do I apply?
Contacts
Synergy
www.synergy.net.au
How to reduce bills
Energy audits
Energy calculator
Alinta
www.alinta.net.au
Tips for energy efficiency
Bill smoothing
Water Corporation
www.watercorporation.com.au
Payment assistance
Being water wise
Telstra
www.telstra.com.au
Bill payment extensions
Financial hardship assistance policy
Telstra bill assistance program from agencies
Tenants Advice
www.taswa.org
Free legal advice and information to residential tenants
See a tenancy advocate
Fines and Infringements
www.courts.dotag.wa.gov.au
Payment methods
Search suspensions
Information about infringements/fines/ consequences
Downloadable forms
Ombudsman
www.ombudsman.wa.gov.au/energy
Investigate and facilitate the resolution of complaints about electricity/gas
Telecommunications Industry Ombudsman
www.tio.com.au
Investigate and facilitate the resolution of complaints for telephone/internet
Financial Ombudsman Service
www.fos.org.au
Investigate and facilitate the resolution of complaints for financial planning.