Not everyone's circumstances are the same

We understand that sometimes life throws a curve ball and doesn't go as planned. We are here to support you when you need it most.

Need help getting back on track?

Everyone has a different story. We provide a safe place for you to be heard so together we can tailor a solution that supports you.

What support is available?

One or more of the following solutions may support you to get back on track:

Payment Arrangements

The ability to pay your account in installments, either;

  • Weekly, fortnightly or monthly payments

  • Payments aligning with your income dates

  • Manageable payment amounts made manually or via direct debit


Moratorium is a fancy way of saying, your account may be put on hold for an agreed period of time.

How can I get support?

Speak with a member of our experienced customer care team on 1300 393 416

  • They will take you through the process step by step, so you know exactly what to expect

  • You may need to provide additional information to help us get a clear picture of your situation, so that we can work out the best way to help you

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If you have a Financial Counsellor acting on your behalf, they can contact us with your permission

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Complete our online Hardship Assistance form here


Request a call back from our team at a time that suits you


Email your request to  

Helpful Resources

The below resources provide activities to support your mental wellbeing, and provide useful information to help with a variety of circumstances.

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A free website providing a variety of ways to support your mental and physical wellbeing.

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Black Dog Institute

Free podcasts exploring different insights into mental health through personal experiences and expert opinions.

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Smiling Mind

A free app that provides daily meditation and mindfulness exercises.

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This Way Up

A free website providing mindfulness strategies for managing stress and boosting your wellbeing.

Support Services Available

If you require additional support, the below resources are free and readily available.


Domestic and Family Violence

1800 Respect: is a 24-hour national, family and domestic violence counselling line for any Australian who has experienced, or is at risk of, family and domestic violence.

Men’s Referral Service: from No to Violence offers assistance, information and counselling to help men who use family violence.

QLIFE (LGBTI): is a telephone and online counselling service for LGBTI individuals impacted by domestic and family violence.

Another closet (LGBTIQ+): provides information for people in LGBTIQ+ relationships who are, or may be, experiencing domestic and family violence.



Australian Centre for Grief: counselling services for people experiencing loss and grief nationwide.


Mental Health

Mensline Australia is a telephone and online counselling service offering support for Australian men anywhere, anytime.

Lifeline is for anyone across Australia experiencing a personal crisis or thinking about suicide can call 13 11 14, or text 0477 13 11 14 at night (6pm-midnight AEDT). Someone will connect you with a crisis service in your state or territory.

Beyond Blue: 24 hour counselling for people seeking support for their mental health such as anxiety or depression.


Debt Helplines

Financial Counselling is free, independent and often in your local area. Financial counsellors provide support, advice and assistance in dealing with debts. Call the National Debt Helpline on 1800 007 007.

MoneySmart is an initiative by the Australian Securities and Investments Commission (ASIC). ASIC’s free MoneySmart website has tips and tools to help you manage your money and seek support.

Mob Strong Debt Help (support First Nation (Indigenous) Australians): tackles credit, debt and insurance matters for our First Nations Peoples. Contact the Mob Strong Debt Help line on free call 1800 808 488 (Mon. to Fri. 9.30am – 4.30pm).



National Disability Services: Australia’s peak industry body for non-government disability service organisations. Collectively, 1,000 NDS members operate several thousand services for Australians with all types of disability. Refer to their website for contact phone numbers in each state.

National Disability Insurance Agency (NDIS): a government scheme to ensure that people with a disability have the support they need.


Refugee Support

Refugee Advice and Casework Service (RACS): information and advice about refugee law and processes.

Australian Red Cross: Australian Red Cross provides information about advocacy, relief and support services for vulnerable people in need and helps to connect migrants with essential support services.


Government and Legal Services

MoneySmart (ASIC) is an initiative by the Australian Securities and Investments Commission (ASIC). ASIC’s free MoneySmart website has tips and tools to help you manage your money and seek support.

Department of Human Services: information on Government initiatives and payments such as Centrelink, Medicare, Child Care.

Government Crisis Payment: a one-off payment if you’ve experienced an extreme circumstance and are in severe financial hardship.


Recoveriescorp also provides the below customer support services

  • Translator Services (TTS AND Internal Translation Program)

  • Preferred Language (Workflow AND website)

  • National Relay Service