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What's happening?

Pick the one closest to you. You can do a lot of this yourself, and anything you make here you can print and take to a financial counsellor.

  • I'm behind on bills or repaymentsGet a letter for each company you owe, who to contact, and what to do next.
  • I've lost my job or incomeYour own plan: what to do, by when, and who to call.Or read the guide
  • A debt collector is chasing meCheck the debt first, then what to say.
  • I might lose my home, or can't afford foodWho to call today.
  • Something elseAll our guides, by topic.

We check the contacts in the Hardship Helper against each company's own website.

Want someone from TEKVA to work with you?

We work alongside financial counsellors, community services and support workers. When one of them refers you and we're the right fit, we start with what's most urgent: the bills, the calls, the deadlines. From there, support can include getting back to work and income, and building AI skills for the job search.

People come to us through a service they're already seeing, so they don't have to tell their story twice.

Seeing a worker or service?

A financial counsellor, community or health worker, or a housing or employment service. Send them tekva.org.au/refer and ask them to refer you.

Not seeing anyone?

Call the National Debt Helpline on 1800 007 007. They can connect you with a financial counsellor. Make your plan here first, so you go in ready.

If you need help today

Your home

  • Link2Home

    NSW. If you're homeless or about to be. Available 24 hours per day, 7 days per week, every day of the year.

    1800 152 152

  • Tenants' Union of NSW

    NSW. Advice if you're behind on rent or have a notice to leave. Mondays 10am to 1pm and Thursdays 2pm to 5pm.

    1800 251 101

Outside NSW, Ask Izzy lists housing help near you.

Food this week

  • Foodbank: find food relief near you
  • Ask Izzy: food, housing and money help near you

Money and debts

  • National Debt Helpline

    Financial counsellors for any money problem. Mon to Fri: phone 9:30am to 4:30pm, live chat 9am to 8pm.

    1800 007 007

  • Small Business Debt Helpline

    Financial counsellors for small business owners and sole traders. Mon to Fri 9am to 5:30pm (AEDT).

    1800 413 828

  • Way Forward: help sorting out several debts

Someone to talk to

  • Lifeline

    Crisis support and suicide prevention. 24 hours, 7 days.

    13 11 14

If you're not safe

You're in danger right now
Call 000
It isn't safe to call your creditors, or someone else controls the account, your money or your phone
Call 1800RESPECT first1800 737 732

Counselling for family violence, including financial abuse. Free and confidential, 24/7.

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Practical help for working-age Australians under financial pressure.

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Tax-deductible · DGR-1 endorsed

Practical help for working-age Australians under financial pressure.

Donate

Tax-deductible · DGR-1 endorsed

Get support

Get help nowHow TEKVA worksWhat TEKVA helps withEligibility & rulesFAQ

Resources

Just lost your job? Start hereDisplacement Field ManualSmall business in crisisHardship lettersJob loss action planFinancial runway calculatorHardship guidesEnergy bill help (NSW)Know your financial rightsService directory

Get involved

Partner with usBecome a mentor

Company

About TEKVAImpactInsightsHow we use AIBuild with TEKVAAI for nonprofitsWhy nowAI Displacement MonitorContactPrivacyTermsLicensing

Financial counselling at TEKVA is delivered by an FCAN-registered Financial Counsellor. Financial capability support is provided by a Financial Capability Worker, whose scope is capability support only — no credit advice or creditor negotiation. Credit advice and creditor negotiation sit with our Financial Counsellor. We also provide practical support and referral coordination, and connect people with crisis services where they need them. We do not provide AFSL-licensed financial product advice, legal advice, or insolvency advice. Where another service is the better fit, we'll help connect you with community services, tenancy help or specialist legal support.

ACNC RegisteredDGR-1 Endorsed↗ABN 88 689 519 686

© 2026 TEKVA. All rights reserved.

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L9, 151 Macquarie St, Sydney NSW 2000

·hello@tekva.org.au