---
title: National debt helpline
description: Request to increase your regular repayment to pay us back sooner.
---

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# National debt helpline

## Whatever your financial difficulty, whether it’s the mortgage, the credit card, the gas bill or something else, we have the answers. Work out what you can afford, how to negotiate payment plans, what debts to prioritise, and much more. Manage your debts and get back on track.

You might consider seeking independent financial advice or speaking to a financial counsellor by contacting the National Debt Helpline on 1800 007 007. Many financial counsellors provide a free, independent and confidential service, and they're available in every state and territory. 

You can also find more information on their website, located [HERE](https://ndh.org.au/).

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    - [Voluntary surrender](https://help.breezefinance.com.au/knowledge-base/difficulty-paying?hsLang=en-au#voluntary-surrender)

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