© 2018 by Amy Throssell.

Financial Counselling

Financial counsellors can:

  • Help you organise your finances and do a budget

  • Suggest ways to improve your financial situation

  • See if you are eligible for government assistance

  • Negotiate repayment arrangements with your creditors

  • Explain your options and their consequences, including debt recovery procedures, bankruptcy and other alternatives

  • Help you work out a payment plan with creditors

  • Refer you to other services, for example, a gambling helpline, family support, personal counselling or community legal aid.

For further advice:

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.