Need legal help? Legal Resources Credit and Debt Issues These resources are from the Consumer Credit Legal Service WA The links below are not intended to be comprehensive; nor legal advice. These resources and links are intended to be for informational purposes only, and are not a substitute for independent professional advice. Before acting or relying on any content found on this website or links, you should seek legal or other professional advice for your particular circumstances from a community legal centre, or another lawyer. Click here for Covid-19 related Credit and Debt Issues I am experiencing financial hardship, and I want to ask my lender to vary my repayments. I am behind on my home loan repayments I am behind on my credit card repayments I want to buy I car. What do I need to know about contracts and car finance? My goods are being repossessed. What are my rights? What is a debt collector? What is a credit file and how do I get a copy of mine? What is a consumer lease? What is financial counselling, and do I need a financial counsellor? What are my rights as a consumer? I want to make a complaint against my Telco. I made a mistake with internet banking. What can I do? Should I take out a Payday Loan? Do you have more questions? Visit the Consumer Credit Legal Service WA: Resource page Fact Sheets Videos Automatic Template letters Infographics The best way to contact the Consumer Credit Legal Service is by phone (08) 9221 7066 during normal opening hours. Other Useful links Useful resources for dealing with debt and hardship National Debt Hotline 1800 007 007 Find a Financial Counsellor near you Financial Counselling Network (scroll down to "Are you in urgent need of help?" to find current available appointments). Find a Financial Counsellor Accessing Emergency Relief Useful resources on consumer rights. Australia Financial Complaints Authority Choice Australia