Who does what
- **National Debt Helpline** — free financial counselling, hardship triage, budgeting support
- **Financial Rights Legal Centre** — free legal advice on insurance, banking, and consumer credit
- **Community legal centres** — local free legal help, including state-based debt and tenancy services
- **AFCA** — independent external dispute resolution for banks, insurers, and super funds
A simple decision rule
Talk to a counsellor first if money pressure is the main issue. Talk to a lawyer first if you have already received a legal notice or court document. Use AFCA when an internal complaint has stalled or failed.
Take action
Fairgo Resolve sits beside these services, not in front of them. [Get free help now](/help) or [learn how Resolve fits in](/resolve/voice?category=rights-pathways) if you want help drafting the next letter while you wait for an appointment.