How to request assistance services

Anyone

Key points

Options: It’s in everyone’s best interest to see you succeed. There are numerous sources of assistance available to support your financial journey.

Asking is OK: There are people wanting to help but they can’t until you ask..

Knowledge: You might be surprised at how much easier things can become with just a little bit of knowledge.

Planning: Creating a plan, often with some help, can significantly reduce tension. While completing major milestones is rewarding, the smaller achievements along the way are equally fulfilling.

Were not financial advisers

It’s important to clarify that we are not financial advisers, but we can offer some guidance on where you might seek help.

Check with your service providers – they have to assist you

Most service providers, such as:

  • Banks

  • Utilities (e.g., electricity, gas, internet, and phone)

  • Insurance and Finance Companies

have processes in place to assist customers who are struggling with their bills. Under the national energy laws they must assist you.The key message is to ask early. The sooner you reach out, the easier it will be for them to restructure or delay your payment schedule. They may also help you find relevant government assistance.

Government programs

All levels of government—federal, state, and local—have mandates to assist people in need. You can access these programs by contacting agencies such as:

  • Make sure your accessing all avilable rebates and concessions your entitled to by visiting www.energy.gov.au/rebates

  • The National Debt Helpline here

  • Personal Hardship Assistance Program – DFFH Services here program#:~:text=To%20apply%20for%20payment,identification%20to%20complete%20an%20application.

  • Emergency Relief | Department of Social Services here

  • MoneySmart here 

  • Colac Area Health

Call (03) 5232 5100 for financial counseling

Call (03) 5232 5140 for free financial counseling and legal aid

This is not an exhaustive list, but it includes some key resources. You can search online to find additional options in your area.

Other groups

In addition to government programs, many non-government organizations can provide assistance, such as

Local help

Here is a list of local services that might be closer to home provided by Our Neighborhood House Marrar Woorn

  • Financial Counseling here  or call 0419-96040

  • A well-stocked food pantry at the back of their offices at 6 Pengilley Ave, Apollo Bay