Illawarra Legal Centre
Phone: 02 4276 1939
Fax: 02 4276 1978
Telephone interpreter TIS
13 14 50

If you are deaf, or have a hearing or speech impairment, contact us through the National Relay Service. For more information, visit:

Tenants Service
Phone:02 4274 3475
Freecall: 1800 807 225
Fax: 02 42743491

The Illawarra Legal Centre is a member of the National Association of Community Legal Centres (NACLC) and is based in Warrawong, a southern suburb of Wollongong, NSW.
Financial Counselling

Financial Counselling: Credit & Debt Service

Are you:

In a dispute with a financial service provider in relation to loans or other credit contracts?

Being sued for a debt?


Our Financial Counselling Service provides FREE professional assistance to anyone experiencing financial difficulties. We can provide assistance over the phone or face to face about your options. We can also provide advocacy if necessary to resolve your problems. 

In addition to providing services at our Warrawong Office, we have six outreach services located in Wollongong, Warilla, Dapto, Unanderra, Corrimal and Nowra.


  • We can give you information and support to help you advocate for yourself
  • Inform you of your rights, obligations and options in relation to debt recovery, bankruptcy and other relevant consumer credit laws.
  • Provide information sessions and workshops on credit and debt matters to community and consumer groups upon request.



All appointments must be made via our Front Desk on 4276 1939

All appointments for outreach services must also be made on: 4276 1939

Appointment times can vary.


Unfortunately we cannot give advice by email. We cannot protect any confidential information you send to us by email if we have not asked for that information.




Other Useful Links
For tips on how to manage your money visit ASIC' MoneySmart website
The Banking and Financial Services Ombudsman deals with complaints and disputes about banking and financial services.
The Consumer Credit Legal Centre is a community legal centre specialising in financial services.  It has a range of fact sheets in English and other languages.



Phone Advice

All initial requests for advice from the Illawarra Legal Centre should be made through the telephone advice service:


Phone Advice Times