Problems paying bills
If you can’t pay your electricity, gas, phone or water bill, contact your service provider straight away. They will explain your options, such as:
- an extension to pay
- paying in instalments
- Centrelink deductions
- applying for a utility rebate or voucher
If you don’t contact your provider, they may suspend or disconnect your service.
Not paying could also harm your credit score.
If you need a step-by-step guide on what to do, see the National Debt Helpline’s get your bills under control.
Talk to a financial counsellor
Financial counsellors offer free, independent and confidential help to people with money problems. They may also negotiate with creditors on your behalf.
Get free legal advice
Community legal centres and Legal Aid agencies in every state and territory offer free legal advice.
Make a complaint
If you’re in financial hardship and your service provider won’t help, you can make a complaint.