Financial hardship can affect anyone, at any stage of life and for many reasons

If you're in this situation, remember that you are not alone. The government offers a number of key initiatives to help you get back on track.

Grants and support that may be available to you

  • Resilient Homes Fund

    We are supporting flood affected home owners in the Gladstone Local Government Area to access the Resilient Homes Fund to assist making your property more flood resilient.

  • Help meeting your electricity payments

    If you’re experiencing difficulty meeting your electricity payments, the Home Energy Emergency Assistance Scheme (HEEAS) may help. The grant is available to Queensland households and can pay up to $720 of the current balance of energy bills.

  • Help meeting your utility bill payments

    The Australian government offers assistance to some people with a utility allowance.

  • Help through the Medical Cooling and Heating Concession Scheme

    The scheme allows people with a chronic medical condition to receive $340.85 per year towards the cost of their electricity.

  • Emergency relief support

    You can contact local community agencies for emergency aid. This includes food parcels, food vouchers, petrol cards, prescriptions, brokerage, clothing and furniture.

Additional information

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Contact your creditor
As soon as you know you cannot pay your debt contact the creditor and let them know. Remember, they can’t help you if they aren’t aware of your situation.
Ask for financial hardship consideration
Ask for reduced payments, reduced interest or additional time to pay due to financial hardship. Legally, creditors must consider your request.
Return secured property
If possible, return the property if you can no longer make the repayments. Although you will still be responsible for the balance of the debt, it may be less if the property has been returned.

Contact us

women meeting with finance councillor
Looking for guidance?
Contact us today to organise a meeting with one of our financial counsellors.

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