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.

How we can help

  • 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.

Making an Appointment

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.

Please Note: The Illawarra Legal Centre cannot give legal advice by email:

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 Australian Financial Complaints Authority (AFCA) deals with complaints and disputes about banking and financial services:
  • The Financial Rights Legal Centre is a community legal centre specialising in financial services. It has a range of fact sheets in English and other languages: