ASIC MoneySmart

Online financial guidance including tips on:


ASIC MoneySmart website

National Debt Helpline

Financial counsellors provide information, support and advocacy to people in financial difficulty. Their services are free, independent and confidential.

National Debt Helpline website
Tel: 1800 007 007 
(9:30am - 4:30pm Monday to Friday)

Small Business Debt Helpline

Small business financial counsellors are qualified professionals who provide free advice to small business owners and sole traders in financial difficulty.

Small Business Debt Helpline website

Tel: 1800 413 828

Community Legal Centres

Community legal centres are independent, not-for-profit community organisations that provide legal and related services to the public, focusing on the disadvantaged and people with special needs.

To find your nearest community legal centre, visit:

Mob Strong, Debt Help

Part of the Financial Rights Legal Centre, Mob Strong, Debt Help is a free legal advice service about money matters for Aboriginal and Torres Strait Islander peoples from anywhere in Australia.

Mob Strong, Debt Help website
Tel: 1800 808 488
(9:30am - 4:30pm Monday to Friday)

Regulatory bodies

Australian Securities and Investments Commission (ASIC)
For inquiries and complaints relating to consumer protection matters in securities, futures, life insurance, general insurance, deposit-taking activities and the supervision of superannuation funds.
Tel: 1300 300 630

Australian Competition and Consumer Commission (ACCC)
The ACCC promotes competition and fair trading and regulates national infrastructure to make markets work for everyone. The ACCC accepts and records reports of information about business practices and behaviours that concern consumers. It does not resolve individual complaints or provide legal advice on a consumers’ rights and obligations under the law. Find out more
Tel: 1300 302 502

Insurance Law Service

Free legal service available to anyone in Australia who would like advice on insurance law or in resolving a dispute with an insurer. Advice, information and referral about:

  • home and contents insurance
  • consumer credit insurance
  • income protection insurance
  • life insurance
  • travel insurance
  • motor vehicle insurance

Insurance Law Service website
Tel: 1300 663 464

Consumer Credit Legal Centres

Community legal centres that provide specialised legal advice, advocacy and counselling in financial services, particularly consumer credit, banking and debt recovery.

ACT - Consumer Law Centre
Tel: (02) 6257 1788

NSW - Financial Rights Legal Centre
Tel: 1800 844 949

QLD - Caxton Legal Centre
Tel: (07) 3214 6333

SA - Consumer Credit Law Centre
Tel: (08) 8202 5960

TAS - Consumer Credit Hotline
Tel: 1800 232 500

VIC - Consumer Action Law Centre
Tel: 1800 466 477

WA - Consumer Credit Legal Service
Tel: (08) 9221 7066

Consumer Affairs

If you have a problem that relates to consumer affairs or fair trading, contact your state or territory body:

ACT: Access Canberra | 13 22 81

NSW: NSW Fair Trading | 13 32 20

NT: NT Consumer Affairs | 1800 019 319

QLD: Office of Fair Trading Queensland | 13 74 68

SA: SA Office of Consumer and Business Services (CBS) | 131 882

TAS: Tasmanian Consumer Affairs & Fair Trading | 1300 65 44 99

VIC: Consumer Affairs Victoria (CAV)1300 55 81 81

WA: WA Consumer Protection - Department Of Mines, Industry Regulation and Safety | 1300 304 054

Legal Aid Commissions

Legal Aid commissions provide services to disadvantaged clients in many areas of criminal, family and civil law, including free, confidential face-to-face legal advice and legal representation for eligible clients.

ACT - Legal Aid ACT
Tel: 1300 654 314

NSW - Legal Aid NSW
Tel: 1300 888 529

NT - NT Legal Aid Commission
Tel: 1800 019 343

QLD - Legal Aid Queensland
Tel: 1300 65 11 88

SA - Legal Services Commission SA
Tel: 1300 366 424

TAS - Legal Aid Commission of Tasmania
Tel: 1300 366 611

VIC - Victoria Legal Aid
Tel: 1300 792 387

WA - Legal Aid Western Australia
Tel: 1300 650 579

Other ombudsman schemes

Australian Small Business and Family Enterprise Ombudsman(ASBFEO): 1300 650 460

Energy & Water Ombudsmen
NSW: 1800 246 545 website
QLD: 1800 662 837 website
SA: 1800 665 565 website
TAS: 1800 001 170 website (energy) website (water)
VIC: 1800 500 509 website
WA: 1800 754 004 website

Fair Work Ombudsman (Fair Work):
13 13 94

Telecommunications Industry Ombudsman (TIO): 1800 062 058

For complaints about Government agencies:
Commonwealth Ombudsman(includes private health insurance)


No wrong door

Are you looking for a different dispute resolution or ombudsman service in Australia? Click on the links below to see who is available to help in each state.



Lifeline provides all Australians experiencing a personal crisis with access to online, phone and face-to-face crisis support and suicide prevention services. Lifeline also helps with financial stress and problem gambling.

Lifeline website

Tel: 13 11 14

Sorry, we’re currently offline.

Would you like to end your chat with AFCA?

Please bear in mind that your conversation will not be saved.

AFCA chat service terms and conditions

Welcome to our live chat help service.

Please be advised we cannot provide you with financial or legal advice. However, we may be able to refer you to a community legal centre or financial counselling service if you need help.

Our live chat is operated by Genesys Cloud on behalf of AFCA. Any personal information provided in this chat will be captured by both organisations in accordance with their privacy policies, available at and


We provide consumers and small businesses with fair, free and independent dispute resolution for financial complaints.

Please enter your details to start your chat with an AFCA representative.

Please enter your name
Please enter a valid email address
Please enter a valid phone number

We provide consumers and small businesses with fair, free and independent dispute resolution for financial complaints.

Welcome to our live chat help service.

An agent should be with you shortly.