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Talking to your creditor

If you’ve been caught off guard by higher bills and you’re worried about missing a payment, letting your creditor (any organisation you owe money to, for example, housing, utilities or council) know and having early conversations with them is the best first step to resolving your money issues and avoid falling into problem debt.

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Benefits of talking to your creditor

Asking for help may be the last thing you want to do, but there are benefits to reaching out to your creditor first about your money struggles.

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Myths busted – talking to your creditor

Think it’s not worth it? We sort the fact from the fiction about talking to your creditor if you have money struggles.

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Know where to start

Before contacting your provider, the first step is to take the time to get organised. Here’s what you need to get started.

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Preparing to talk to your creditor

Getting organised, thinking about what your creditor might ask and how you'll contact them can make conversations easier.

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Making the first contact

Contacting your creditor can be daunting, especially if you’ve never done it before. Here is a checklist to get you through those conversations.

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Options your creditor might offer you

Here are some solutions a provider might offer you. Before agreeing to a plan, make sure you understand any impacts on your credit score. 

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After you’ve talked to your creditor

If you’ve reached a new agreement with your creditor, ask for confirmation in writing. Our checklist will help you with your next steps.

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What if you can’t get a positive outcome

Find out what to do if you feel you’re not getting anywhere or how to go about making a complaint.

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Have you missed a payment?

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If so, now is the time to get debt advice

  • It’s free and confidential

  • Gives you better ways of managing your debts and money

  • Ensures you’re claiming all the right benefits and entitlements

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