Debt · 5 min read
Before you speak to a debt counsellor
Know what to bring, what to ask and how to check a practice's registration.
FinEQ educational guide · Reviewed 20 October 2026
Prepare a clear picture
Bring a list of income, living expenses, debts, repayments and any notices you have received. You do not need to share them publicly or with an employer to ask for help.
Check the professional
A debt counsellor should be registered with the National Credit Regulator. Check the NCR register yourself and ask the practice to explain its fees and process before you agree to anything.
Ask about the next step
Ask what review will be done, what information is needed, what the fees are, and how you will receive updates. Debt counselling is a formal process, not simply a payment holiday. A qualified counsellor should explain whether it suits your circumstances.
This guide is educational. A qualified professional can help assess your individual circumstances.