Plain-English guides to understanding your rights and options when money is tight.
What the law says about how creditors and utilities must treat you when you can't pay. Plain English.
Read guide →A step-by-step walkthrough of the hardship application process — what to say, what to send, and what to expect.
Read guide →Your options when you can't pay an electricity or gas bill — payment plans, hardship programs, and what to do before disconnection.
Read guide →This is general information only — not personal financial or legal advice. For free personalised help, call the National Debt Helpline on 1800 007 007.