We understand that sometimes life throws us a curve ball, and things don’t always go as planned.
We are here to support you when you need it most.
Need help getting back on track?
Everyone’s story is different
Our Hardship & Vulnerability Team can provide a safe space for you to have your story heard, and together we can tailor a solution that supports you in getting back on top of your finances.
Our options below include flexible contact methods, understanding support services and helpful information on the types of help that are available to customers experiencing hardship, vulnerability, and the inability to make an immediate payment.
Disclaimer: The options below are not financial advice. The support that is available may differ depending on the individual, or the case. If necessary, consider seeking independent legal, financial, taxation or other professional advice unique to your circumstances.

What support is available?
We can arrange one or more of the following solutions that may help support you in getting back on track:
Payment Arrangements
The ability to pay your account in installments, either;
- Weekly, fortnightly or monthly payments
- Payments aligning with your income dates
- Manageable payment amounts made manually or via direct debit
Moratorium
Depending on your situation, moratorium may be available to you. Moratorium is a temporary suspension of your account, meaning that your account may be put on hold for an agreed period of time; allowing you time to seek financial advice, create a plan or attain an improved financial position.
Need to contact us regarding your situation?
How can I get support?
Speak with us via Telephone
Speak with a member of our experienced customer care team by calling 1300 393 416.
An operator can take you through the process step by step, so you know exactly what to expect. You may need to provide additional information to help us get a clear picture of your situation and so that we can work out the best way to help you.
Information on Financial Counsellors
Do you require support in creating a plan to move forward financially or need someone to advocate on your behalf? If you have a Financial Counsellor acting on your behalf, they can contact us with your permission.
Contact the National Debt Helpline to be put in contact with a Financial Counsellor (free service): 1800 007 007.
View recoveriescorp’s Financial Counsellors Engagement Charter here.
View our Hardship and Vulnerable Customer Policy
In keeping with our vision of “We enable successful and socially responsible credit experiences by empowering customers through exceptional people, technology and data”, Recoveriescorp recognises that some of our customers due to their personal circumstances may require extra levels of care.
Our Hardship & Vulnerable Customer Policy provides our staff guidelines on how to effectively ensure that our customers are properly assisted in keeping with our vision as well as our obligations to our clients.
View our Hardship & Vulnerable Customer Policy here.
View our REFLECT Reconciliation Action Plan
The aim of our Reflect RAP is to advance this vision by promoting a culture of respect for Aboriginal and Torres Strait Islander peoples, both within our organisation and within the communities we help across Australia. Our commitment towards reconciliation over the next two years is detailed in the actions of this plan and we hold ourselves accountable for every commitment made.
View our REFLECT Reconciliation Action Plan here.
Helpful resources
The below resources provide activities to support your mental wellbeing, and provide useful information to help with a variety of circumstances.
Headspace
A free website providing a variety of ways to support your mental and physical wellbeing.
View website
Black Dog Institute
Free podcasts exploring different insights into mental health through personal experiences and expert opinions.
View website
This Way Up
A free website providing mindfulness strategies for managing stress and boosting your wellbeing.
View website
Support services available
- Domestic and Family Violence
- Grief
- Mental Health
- Debt Helplines
- Disability Support
- Refugee Support
- Government and Legal Services
- Recoveriescorp Support Services