Southcare provides a free and confidential Financial Counselling service to help you manage during difficult financial situations and times.

We provide our service in a caring and non-judgmental manner which is discreet and protective of your privacy.

Our Financial Counselling service provides you and/or your family with assistance, information, options and support to explore and implement strategies to overcome your hardship. We provide options rather than advice.

To access the service, you will need to call us on 9450 6233, fill in the form below or come into our office to make an appointment for a future date with a Financial Counsellor.

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A Southcare representative will contact you within 24 hours (except weekend) to follow up your enquiry. All enquiries are treated confidentially.

Some of the ways we can assist include:

AdvocacyIf you are overwhelmed by your financial situation and are having difficulty communicating effectively with creditors, a Financial Counsellor can inform and uphold your rights with them on your behalf.
AppealsA Financial Counsellor can assist and support you with appealing decisions that you may not agree with in relation to Homeswest or Centrelink.
BankruptcyA Financial Counsellor can assist in providing information and options on bankruptcy or alternatives.
BillsA Financial Counsellor can explore options with you and explain what you can do if you are unable to pay.
BudgetingIf you are experiencing difficulties making ends meet,a Financial Counsellors can assist you to make budgets and improve your financial literacy and management skills so that you can take control of your financial situation.
ComplaintsIf you believe that you have been discriminated against because of your age, sex, race, pregnancy, marital status, and impairment, religious or political conviction, a Financial Counsellor can assist and support you to lodge a complaint to the appropriate authorities.
Debt RecoveryHave you received a letter of demand, summons, warrant of execution or judgement summons? A Financial Counsellor can explain the debt recovery process and assist with exploring an appropriate course of action and options.
HousingIs your bank or landlord making your housing situation difficult? A Financial Counsellor can assist you with information in relation to home mortgages and explain your rights and responsibilities with Homeswest and private residential tenancy issues.
NegotiationsIf you are having financial problems with creditors in maintaining or arranging repayments on loans, mortgages, credit cards or other creditor accounts, a Financial Counsellor can assist by negotiating on your behalf with your creditors to reach a manageable and amicable repayment agreement.
ReferralIf you require a service that a Financial Counsellor is unable to provide, we can refer you to an appropriate service.

Useful Links:  MoneySmart, Financial Counselling