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National Debt Helpline

Free financial counselling · 1800 007 007

If it helps, read this once before you call.

You can hang up at any time, and you don't have to give your name.

You can call whenever you're ready, or not at all.

settle firstTake three slow breaths

what to say first

“Hi, I've separated and I'm worried about debts, including some that may be in joint names.”

Your own words are just as good.

two questions you might ask

  • Which debts should I deal with first?
  • Am I responsible for debts in joint names?

After the call: if it feels safe, write down one thing you learned, somewhere private.

want a copy?

Paper and downloads can be found by others. Only keep a copy if it's safe for you.

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