Not sure where to start?

The Displacement Navigator triages your situation in 90 seconds and points you to the right tools and guides.

What's happening?

Pick the situation closest to yours. Each guide tells you exactly what to do first, who to call, and what the law requires.

I just lost my job

First step

Check your entitlements

Your employer must pay outstanding wages, accrued leave, and notice or redundancy pay.

Read guide

I can’t pay my rent

First step

Talk to your landlord now

Most prefer to negotiate than go through eviction proceedings.

Read guide

I can’t pay my bills

First step

Call and say “financial hardship”

Your provider must offer you a payment plan under Australian law.

Read guide

My debt is out of control

First step

Stop borrowing, list every debt

Call the National Debt Helpline on 1800 007 007 for free advice.

Read guide

I need emergency money

First step

Call for immediate help

Food: Vinnies 13 18 12 or Salvos 13 72 58. Housing tonight: Link2Home 1800 152 152.

Read guide

My business is failing

First step

Separate personal and business debts

Call ASBFEO on 1300 650 460 for free, independent advice.

Read guide

Reference & tools

Know your rights, find free services, or use our interactive tools to build a plan.

Debt help

Free tools, guides, and legal rights for Australians dealing with debt — credit cards, loans, bills, and more.

Your legal rights

What energy companies, banks, telcos, and debt collectors must do under Australian law when you can't pay.

Service directory

Curated, verified free services — financial counselling, emergency relief, legal aid, and crisis support.

Displacement Field Manual

Complete 90-day guide for tech workers — financial triage, income generation, creditor scripts, and recovery plan.

Interactive tool

Free hardship letter generator

Personalised hardship letters citing the exact Australian laws that protect you, plus phone numbers and scripts.

Generate your letters

Interactive tool

Job loss action plan

Personalised checklist with Centrelink payments, Fair Work entitlements, deadlines, and next steps.

Build your plan

Interactive tool

Runway calculator

How long will your money last? Enter your savings and monthly costs — 60-second calculation.

Calculate your runway

TEKVA support

Apply for support

Direct financial support for working Australians facing temporary hardship — rent, bills, medical, and essentials.

5-minute form

Not sure where to start?

National Debt Helpline: 1800 007 007 — free, confidential

Or talk to us — we can help you figure out the right next step.