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} } .abc-logo { margin-bottom:10px; margin-top:-10px; padding-bottom:17px;} } .mk-blog-grid-item time a { pointer-events:none; cursor:default; text-decoration:none; } .single-post-tags { margin-bottom:20px; font-size:12px; color:#999; display:none; } .mk-single-content { margin:10px 0 0px!important; } .mk-post-cat { display:none!important; } .mk-blog-author { display:none!important; } .single-social-section { display:none; } .master-holder h3.the-title { margin-bottom:8px!important; } .wpb_raw_code.wpb_content_element.wpb_raw_html.la-posttitle { font-size:27px; } .mk-readmore { background-color:#8CB446; padding:10px 20px; border-radius:50px; font-size:13px; color:#FFF; border:1px solid #8cb445; overflow:hidden;} .mk-readmore { box-sizing:border-box; transition:color .1s ease-in-out,background .1s ease-in-out,border .1s ease-in-out; -webkit-transition:color .1s ease-in-out,background .1s ease-in-out,border .1s ease-in-out; } a.mk-readmore { overflow:hidden; display:inline-block; } .mk-readmore:hover::after { width:100%; height:4000%; opacity:1; } .mk-readmore::after { background-color:#ffffff; } .mk-readmore::after { content:""; position:absolute; transition:all .2s ease-out; -webkit-transition:all .2s ease-out; left:50%; top:50%; transform:translateX(-50%) translateY(-50%) rotate(45deg) translateZ(0); -webkit-transform:translateX(-50%) translateY(-50%) rotate(45deg) translateZ(0); height:0; width:0; opacity:0; z-index:-1; } .mk-blog-grid-item .blog-grid-footer { border-top:0px solid #e3e3e3; } .mk-blog-grid-item .blog-grid-footer { position:relative; padding:0px; margin-top:-9px;} .mk-blog-grid-item .mk-blog-meta { padding:19px 0px; line-height:18px; } a.mk-readmore { background-color:#a0c11c; padding:11px 23px; border-radius:51px; font-size:14px; color:#FFF; letter-spacing:1px; } .mk-readmore svg { margin-right:5px; height:8px; display:none; } .mk-blog-grid-item .featured-image { position:relative; display:block; overflow:hidden; border-radius:0px 40px 0px 0px; } .mk-blog-grid-item .the-excerpt p { margin:5px 0; max-width:373px; font-size:17px!important; line-height:25px; letter-spacing:.01em; font-weight:400; color:#464646!important; text-align:left!important; margin-top:-16px; } .mk-blog-grid-item .blog-grid-holder { margin:1px 12px 62px 12px; border:0px solid #e3e3e3;} .mk-classic-nav-bg { background-color:#333333; } .hb-custom-header #mk-page-introduce, .mk-header { background-color:#ffffff!important;} .mk-nav-responsive-link::after { content:'MENU'; font-size:11px; } #menu-footer-menu-1 svg.mk-svg-icon { display:none; } .widget_posts_lists ul li .post-list-title { display:block; font-size:15px; line-height:15px; } #mk-footer .widget-sub-navigation ul, #mk-footer .widget_nav_menu ul { margin-top:-12px; } ul.sub-menu { -webkit-box-shadow:7px 10px 13px -3px rgba(0,0,0,0.16); -moz-box-shadow:7px 10px 13px -3px rgba(0,0,0,0.16); box-shadow:7px 10px 13px -3px rgba(0,0,0,0.16); } .important { background-color:#c3bccc; } .menu-hover-style-4 .main-navigation-ul li.important.menu-item:hover > a.menu-item-link { background-color:#aaa2b5; } .main-navigation-ul li.no-mega-menu ul.sub-menu { padding:0px; } .header-logo img { top:47%;}
63 .header-grid.mk-grid { padding-bottom:13px;} .mk-header-start-tour svg { display:none; } .mk-responsive-wrap { top:19px; } .mk-header-start-tour.show { visibility:visible; opacity:1; font-size:20px; max-width:285px; line-height:25px; font-weight:400; margin-top:28px; border-left:3px solid #a0c11c; padding-top:8px; padding-left:13px; max-height:139px; } .mk-header-start-tour.hidden { visibility:visible; opacity:1; font-size:20px; max-width:236px; line-height:25px; font-weight:400; margin-top:23px; border-left:3px solid #a0c11c; padding-top:8px; padding-left:13px; max-height:109px; } .mk-header-start-tour.show { pointer-events:none; cursor:default; text-decoration:none; } .mk-header-start-tour.hidden { pointer-events:none; cursor:default; text-decoration:none; } .mk-header-right { position:absolute; left:-334px; z-index:20; max-width:1440px!important; width:1440px; margin-left:auto!important; margin-right:auto!important; } .mk-header-holder { max-height:185px; } .mk-toolbar-navigation ul li a { font-size:15px; padding:0 11px; } .mk-toolbar-navigation { display:inline-block; margin-right:288px; height:30px; float:right;} .main-navigation-ul>li.no-mega-menu ul.sub-menu li.menu-item a.menu-item-link { padding:14px 20px;} ul.sub-menu { transition:all .5s ease-in-out; } .dropdownJavascript li.dropdownOpen>ul.sub-menu { display:flex!important; } .mk-main-navigation li.no-mega-menu ul.sub-menu, { background-color:#a0c11c!important; } .mk-main-navigation ul.sub-menu .ndh-2parent .menu-sub-level-arrow svg { fill:#ffffff; transform:rotate(90deg); display:none; top:5px; } .dropdownJavascript li.ndh-2parent.dropdownOpen>ul.sub-menu { display:block!important; margin-top:46px; margin-left:-270px; background-color:#FFF!important; color:#000!important;} .dropdownJavascript li.ndh-2parent.dropdownOpen>ul.sub-menu a { color:#000!important;} li.ndh-2parent>ul.sub-menu li:hover { background-color:#F0F4E3!important; color:#FFF!important;} li.ndh-2parent>ul.sub-menu li:hover a { color:#FFF!important;} .mk-main-navigation ul.sub-menu .ndh-2parent.dropdownOpen ul.sub-menu .menu-sub-level-arrow svg { transform:rotate(0deg); display:inline-block; } .mk-main-navigation li.no-mega-menu .ndh-2parent ul.sub-menu, { background-color:#000!important; } .header-align-center .main-navigation-ul li.no-mega-menu>ul.sub-menu, .header-align-center .mk-grid .main-navigation-ul li.no-mega-menu>ul.sub-menu, .header-align-left .mk-grid .main-navigation-ul li.no-mega-menu>ul.sub-menu, .header-style-2.header-align-center .main-navigation-ul li.no-mega-menu>ul.sub-menu, .header-style-2.header-align-left .main-navigation-ul li.no-mega-menu>ul.sub-menu { left:1px; right:auto; top:51px; } .dropdownOpen .dropdownOpen .dropdownOpen>ul.sub-menu { display:block!important; background-color:#F0F4E3!important;} .dropdownOpen .dropdownOpen .dropdownOpen>ul.sub-menu li a { background-color:#F0F4E3!important;} .dropdownOpen .dropdownOpen .dropdownOpen ul.sub-menu li:hover { background-color:#E3E8D1!important;} .dropdownJavascript li.only-children.dropdownOpen>ul.sub-menu { display:block!important; background-color:#FFF!important;} .dropdownJavascript li.only-children.dropdownOpen>ul.sub-menu a {background-color:#FFF!important; color:#000;} .dropdownJavascript li.only-children.dropdownOpen>ul.sub-menu li:hover { background-color:#F0F4E3!important;} .post-list-image img { display:none; } .widget_posts_lists ul li .post-list-info { margin:0 10px 5px 0px; } section#media_image-2 img { max-width:203px!important; } .brave-id-location { padding-bottom:49px; } .int-nav-txt2 p { line-height:27px; font-size:24px; margin-top:19px; } .int-nav-txt2 small { font-size:67%; } .this-page-row .mk-button:hover { color:#000 !important; background-color:#d6d6d6!important; border-color:#a0c11c!important; } .this-page-row a.mk-button { min-width:268px; text-align:left; } .this-page-row .mk-button--dimension-savvy.mk-button--corner-full_rounded { -webkit-mask-image:none; } .this-page-row .mk-button { background-color:#a0c11c!important; color:#FFF!important; border-color:#a0c11c!important; } .this-page-row .mk-button--dimension-savvy.skin-dark::after { background-color:#ffffff; } .this-page-row .mk-button--size-medium { font-size:14px;} .this-page-row { background-color:#f1f1f1; padding-top:66px!important; margin-top:0px; padding-left:33px; padding-right:33px; padding-bottom:58px!important; border-radius:0px; margin-bottom:25px; } .this-page-row .sections p { font-size:21px!important; font-weight:500; font-style:italic; } #mk-theme-container .tdt-slider .slick-next.slick-arrow:before, #mk-theme-container .tdt-slider .slick-prev.slick-arrow:before { color:#383838 !important; font-size:43px !important; } .mk-toolbar-resposnive-icon svg, .mk-header .mk-shoping-cart-link svg { display:none; } div#gform_confirmation_message_1 { background-color:#e9efe4; padding:30px; } .gfield_radio li input[type=radio] { margin-top:-2px!important; } .gform_wrapper .percentbar_blue { background-image:none; background-repeat:repeat-x; background-color:#a0c01b; color:#FFF; } .gform_wrapper .gf_progressbar_percentage { height:24px; text-align:right; font-family:helvetica,arial,sans-serif; font-size:13px!important; text-shadow:none; } .gform_wrapper .gf_progressbar { width:99%; height:37px; overflow:hidden; line-height:20px!important; border:0px solid #EEE; background-image:none; background-repeat:repeat-x; background-position:bottom; background-color:#ffffff; -webkit-border-radius:0px!important; -moz-border-radius:0px!important; border-radius:0px!important; -moz-box-shadow:0 0 0px 0 rgba(0,0,0,.2)!important; -webkit-box-shadow:0 0 0px 0 rgba(0,0,0,.2)!important; box-shadow:0 0 0px 0 rgba(0,0,0,.2)!important; } .home-CTA { text-align:center!important; color:#FFF!important; max-width:84%; margin-left:auto; margin-right:auto; margin-top:-119px; z-index:100000000000000000!important; background-color:#18181894; border-radius:6px; padding:12px 10px 14px 12px!important; font-size:24px!important; font-weight:600!important; } .CTA-image { z-index:-1!important; } .home-CTA a { color:#FFF!important; } .wht-faq h4 { color:#ffffff!important;} #mk-footer .widget-sub-navigation ul li a, #mk-footer .widget_nav_menu ul li a { padding:5px 15px 0px 5px; } .equal-columns { margin-top:-52px; } .vc_toggle_content a { text-decoration:underline!important; } .master-holder h3 { margin-bottom:32px!important;} h3.helper-title { font-size:22px!important; } .time-number::after { border-right:9px Solid #a0c01a; content:''; margin-left:22px; height:100%; display:inline-block; } .mk-header-toolbar { background-color:#ffffff00!important; } @media handheld, only screen and (max-width:1600px) { .mk-header-inner .header-logo img { max-width:194px!important; } .mk-header-toolbar { background-color:#ffffff00!important; } .header-style-2 .mk-header-inner { margin-top:0px; } .mk-header-start-tour.hidden { visibility:visible; opacity:1; font-size:17px; max-width:236px; line-height:25px; font-weight:400; margin-top:23px; border-left:3px solid #a0c11c; padding-top:1px; padding-left:13px; max-height:88px; padding-bottom:14px; } .header-style-2.header-align-left .mk-grid .header-logo { margin-top:0px; }
63 .header-grid.mk-grid { padding-bottom:0px; } .header-style-1 .mk-header-padding-wrapper, .header-style-2 .mk-header-padding-wrapper, .header-style-3 .mk-header-padding-wrapper { padding-top:200px; } .theme-content .top-sec { z-index:2; padding-left:25px; padding-right:25px; padding-top:82px!important; } .mk-header-holder { padding-top:0px; padding-bottom:0px; } } @media handheld, only screen and (max-width:1440px) { .single-post .mk-blog-single { margin-top:-22px; } .mk-header-inner .mk-header-right { position:absolute; left:-276px; z-index:20; max-width:1440px!important; width:1440px!important; margin-left:auto!important; margin-right:auto!important; right:0px!important;} } @media handheld, only screen and (max-width:1320px) { .page .main-navigation-ul > li.menu-item > a.menu-item-link { color:#ffffff; font-size:15px; font-weight:400; padding-right:11px !important; padding-left:11px !important; text-transform:none; letter-spacing:0px;} .mk-header-inner .mk-header-right { left:-476px;} } @media handheld, only screen and (max-width:1300px) { .mk-main-navigation { padding-left:10px; } .mk-header-inner .header-logo img { max-width:211px!important; } .mk-header-toolbar { background-color:#ffffff00!important; } .header-style-2 .mk-header-inner { margin-top:0px; } .mk-header-start-tour.hidden, .mk-header-start-tour.show { visibility:visible; opacity:1; font-size:17px; max-width:236px; line-height:25px; font-weight:400; margin-top:8px; border-left:3px solid #a0c11c; padding-top:8px; padding-left:13px; max-height:88px; } .header-logo img { top:75%; } .mk-header-start-tour.show { margin-top:-2px; } .header-style-2.header-align-left .mk-grid .header-logo { margin-top:-41px; } .header-grid.mk-grid { padding-bottom:0px; } .mk-header-holder .mk-header-inner .mk-header-right { top:12px; } .header-style-1 .mk-header-padding-wrapper, .header-style-2 .mk-header-padding-wrapper, .header-style-3 .mk-header-padding-wrapper { padding-top:200px; } .theme-content .top-sec { z-index:2; padding-left:25px; padding-right:25px; padding-top:90px!important; } .mk-header-holder { padding-top:0px; padding-bottom:0px; } } @media handheld, only screen and (min-width:1141px) { .trans-header .bg-true.light-skin:not(.a-sticky) .main-navigation-ul > li.contact-menu.menu-item > a.menu-item-link:hover{ background-color:#FFF; color:#000!important;} } .mk-list-styles.video-title ul li .mk-svg-icon { position:absolute; top:-1px; left:0; height:31px!important; width:31px!important; } .mk-list-styles.video-title ul li { font-size:30px!important; padding:0 0 0 39px; margin-top:45px; } ul.sub-menu.mega_col_1, ul.sub-menu.mega_col_2, ul.sub-menu.mega_col_3, ul.sub-menu.mega_col_4, ul.sub-menu.mega_col_5{ margin-top:10px; } .single-employee-content { margin-top:175px!important; } .intro-text-home { max-width:568px; text-align:left!important; } .wht-faq .vc_toggle_content p, .wht-faq .vc_toggle_content { color:#FFF!important; } .door-text p { font-size:38px; color:#FFF; font-weight:600; line-height:48px; max-width:512px; } .door-title1 { font-size:20px!important; font-weight:300!important; margin-bottom:-5px; } .door-title2 { font-size:32px!important; font-weight:700!important; margin-top:-14px; } .wht-faq .vc_toggle { margin-bottom:35px; border-top:1px solid #FFF; border-bottom:0px solid #FFF; padding:20px 0 0px 4px; margin-top:-15px; } .vc_toggle_simple .vc_toggle_icon::after, .vc_toggle_simple .vc_toggle_icon::before { background-color:#ffffff!important; } .vc_toggle_simple .vc_toggle_icon::after, .vc_toggle_simple .vc_toggle_icon::before { background-color:#ffffff; } .wht-faq .vc_toggle_title h4 { color:#FFF!important; text-transform:none; font-size:29px; font-weight:300; } .has-mega-menu .megamenu-title { letter-spacing:0px!important; } .has-mega-menu .megamenu-title { font-size:16px!important; } .vc_toggle_content a { color:#FFF!important; } .vc_toggle_content strong { color:#FFF!important; font-weight:800; } .time-number { font-size:96px!important; margin-top:-39px; height:90%; text-align:center!important; } abbr, acronym { text-transform:inherit; letter-spacing:0; } .wpb_row.vc_inner.vc_row.vc_row-fluid.timeline-box.attched-false { padding:40px; background-color:#f3f6e3; margin-top:13px; } .wht strong { color:#FFF!important; } .mk-text-block a { text-decoration:underline!important; } .component-hero-banner { top:110px; margin-bottom:100px!important; } .welcome-text-home { max-width:768px; text-align:center!important; margin-left:auto; margin-right:auto; } .component-hero-banner #background-layer--2::before,.component-hero-banner #background-layer--2::after { content:''; display:block; width:10240px; height:50000px; border-top-right-radius:100%; border-top-left-radius:100%; position:absolute; left:50%; top:281px; margin-left:-5120px; opacity:0.9; background-position:center top; background-size:100vw 1px; background-color:#476f27; background-repeat:repeat-y; z-index:1; opacity:0.7 } .intro-text { max-width:100%; margin-left:0px; text-align:center!important; } .full-width-2.component-hero-banner { min-height:513px; margin-bottom:0px; } .theme-content .internal-col { padding-top:320px!important; } .welcome-text { max-width:90%; margin-left:auto; text-align:center!important; margin-right:auto; } @media (min-width:1024px) { .full-width-2.component-hero-banner { min-height:800px; margin-bottom:0px; margin-top:-105px; } .theme-content .internal-col { padding-top:200px!important; } .intro-text { max-width:568px; margin-left:90px; text-align:left!important; } .welcome-text { max-width:568px; margin-left:90px; text-align:left!important; } .component-hero-banner #background-layer--2::before,.component-hero-banner #background-layer--2::after { background-size:102% 1px; background-position:0 0; width:25000px; left:-25000px; height:6000px; margin-top:-3000px; bottom:0; margin-left:800px; top:365px; background-color:#476f27; border-top-left-radius:0; border-top-right-radius:100%; border-bottom-right-radius:100%} } a.ultimate_carousel_btn { background-color:#fff0!important; text-transform:inherit!important; color:#2d2d2d!important; font-size:18px!important; font-weight:800; } .search-loop-meta { display:none!important; } .trans-header .bg-true.light-skin:not(.a-sticky) .menu-hover-style-4 .main-navigation-ul li.menu-item > a.menu-item-link:hover, .trans-header .bg-true.light-skin:not(.a-sticky) .menu-hover-style-4 .main-navigation-ul li.menu-item:hover > a.menu-item-link, .trans-header .bg-true.light-skin:not(.a-sticky) .menu-hover-style-4 .main-navigation-ul li.current-menu-item > a.menu-item-link, .trans-header .bg-true.light-skin:not(.a-sticky) .menu-hover-style-5 .main-navigation-ul > li.menu-item > a.menu-item-link:after { background-color:#a0c01a!important;} .slick-footer, .slick-header, .slick-slider { background:rgba(200, 54, 54, 0); } img.ultimate-slide-img { margin-bottom:0px!important; } a.ultimate_carousel_btn:hover { text-decoration:underline; }
63 .tdt-slider { margin-top:37px!important; } .wpb_row.vc_inner.vc_row.vc_row-fluid.intro-row.attched-false { max-width:79%; margin-left:auto!important; margin-right:auto!important; } .header-style-2.header-align-left .mk-header-nav-container { text-align:left; float:left; background-color:#333; } .mk-header-holder { background-color:#FFF; padding-top:10px; padding-bottom:10px; } section#nav_menu-2 { margin-left:auto; margin-right:auto; display:table; } section#nav_menu-3 { margin-left:auto; margin-right:auto; display:table; } section#nav_menu-1 { margin-left:auto; margin-right:auto; display:table; } section#recent-posts-3 { margin-left:auto; margin-right:auto; display:table; } .a-sticky .mk-header-nav-container.one-row-style.menu-hover-style-5{ display:inline-block; } .footer-intro { max-width:900px; margin-left:auto; margin-right:auto; } .main-navigation-ul>li.menu-item a.menu-item-link svg { margin-right:-11px; height:16px; vertical-align:middle; float:right; margin-top:2px; margin-left:8px; } #page-content strong { color:#2d2d2d;} .contact-menu a.menu-item-link::after { opacity:0!important; } .contact-menu a:hover { background-color:#FFF; color:#000!important; } .mk-header-nav-container .contact-menu a:hover { background-color:#FFF; color:#000!important; } .contact-menu a { border:1px solid #FFF; padding-top:7px!important; padding-bottom:7px; border-radius:8px; font-size:13px!important; } span.mk-button--text { font-weight:800; letter-spacing:0; } .mk-header-bg { background-color:#FFF!important; } .a-sticky .mk-header-bg { background-color:#FFF; } .admin-bar .sticky-style-slide.header-style-1.a-sticky .mk-header-holder, .admin-bar .sticky-style-slide.header-style-3.a-sticky .mk-header-holder { top:30px!important; } .contact-menu { padding-left:12px!important; } .header-logo img { max-width:226px!important; } @media (max-width:1480px){ .fit-logo-img a { padding-left:25px;} } @media (max-width:1170px){ .fit-logo-img a { padding-left:25px; } .main-navigation-ul > li.menu-item > a.menu-item-link { font-size:15px!important;} .mk-responsive-nav li a:hover { background-color:rgb(201, 218, 136)!important; } .header-grid.mk-grid { margin-top:2px; } @media (max-width:1165px){ } @media (max-width:1140px){ .inc { right:26px; } .mk-toolbar-navigation { margin-right:188px;} .mk-header-toolbar { margin-bottom:66px; } .chat-open, .chat-clear { display:none!important; } .mk-header-holder .mk-header-inner .mk-header-right { display:none; } .header-style-2.header-align-left .mk-nav-responsive-link { float:right; right:20px; top:5px; } .header-logo img { top:59%; } .hb-custom-header #mk-page-introduce, .mk-header { height:140px; } #mk-theme-container .mk-header:not(.header-style-4) .mk-header-holder { top:10px !important; } li.only-children > ul.sub-menu { background-color:#FFF!important;} li.only-children > ul.sub-menu a { color:#000!important;} ul.sub-menu { background-color:#a0c11c!important; -webkit-box-shadow:0px 0px 0px 0px rgba(0,0,0,0.16); -moz-box-shadow:0px 0px 0px 0px rgba(0,0,0,0.16); box-shadow:0px 0px 0px 0px rgba(0,0,0,0.16); } .ndh-2parent ul.sub-menu { background-color:#FFF!important; } .mk-css-icon-close, .mk-css-icon-menu { width:33px;} .mk-css-icon-close div, .mk-css-icon-menu div { background-color:#252525!important; } .mk-header-holder .mk-header-bg { background-color:#FFF !important; } .mk-responsive-nav li ul ul { padding-left:0px; border-top:0px solid rgba(0,0,0,.1); border-bottom:0px solid rgba(0,0,0,.1); background-color:rgba(0,0,0,.02); } .ndh-2parent ul.sub-menu a { color:#000!important; } .home-CTA { max-width:332px; } .ndh-2parent ul.sub-menu { background-color:#FFF; } .ndh-2parent a { font-weight:900!important; font-size:15px!important; } .mk-responsive-nav li a:hover { background-color:rgb(197, 197, 197); } .mk-responsive-nav .sub-menu .mk-nav-arrow{ color:#6f6f6f !important; } .ndh-2parent .sub-menu li a { font-size:14px!important; font-weight:500!important; } .subsub a { background-color:#e4e4e4!important; font-style:italic; } div#page-section-2 { margin-top:-110px; } section#recent-posts-3 { margin-left:1px;} section#nav_menu-3 { margin-left:1px;} section#nav_menu-2 { margin-left:1px;} ul.sub-menu { background-color:#b3b3b3; } .contact-menu a:hover { color:#FFF!important; } .contact-menu { padding-left:0px!important; } .contact-menu a { border:0px solid #FFF; padding-top:12px!important; padding-bottom:7px; border-radius:0px; font-size:13px!important;} } @media (max-width:640px){ div.chat-fc-form-outer { font-size:16px; height:94%!important; top:57px!important; overflow:scroll!important;} #fc_frame.fc-mobile-view.h-open-container, #fc_frame.fc-widget-fullscreen.fc-widget-normal, #fc_frame.fc-widget-fullscreen.fc-widget-small { height:93%!important;} } @media (max-width:780px){ .mk-header-toolbar { margin-top:-33px!important; margin-bottom:35px!important; } #theme-page { padding-top:40px!important; } .mk-header-holder { background-color:#FFF; padding-top:10px; padding-bottom:31px; } .mk-header-search { display:flex!important; float:left; margin-left:6px; margin-top:10px; max-width:129px; } .hb-custom-header #mk-page-introduce, .mk-header { height:128px; } ul#menu-header-menu { margin-top:11px; } .header-style-2.header-align-left .mk-nav-responsive-link { top:58px;} .header-style-2.header-align-left .mk-grid .header-logo { margin-top:0px; 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width: 5.7142857142857px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 640 1792"><path d="M595 960q0 13-10 23l-466 466q-10 10-23 10t-23-10l-50-50q-10-10-10-23t10-23l393-393-393-393q-10-10-10-23t10-23l50-50q10-10 23-10t23 10l466 466q10 10 10 23z"/></svg></i> 347 <ul style="" class="sub-menu "> 348 <li id="menu-item-425" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/what-is-financial-hardship-and-what-are-your-rights/">What is financial hardship and what are your rights?</a></li> 349 <li id="menu-item-434" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/work-out-what-you-can-afford-to-pay/">Work out what you can afford</a></li> 350 <li id="menu-item-442" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/negotiate-payment-terms/">Negotiate payment terms</a></li> 351 <li id="menu-item-448" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/prioritise-your-debts/">Prioritise your debts</a></li> 352 <li id="menu-item-452" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/consolidate-your-loans/">Consolidate your loans</a></li> 353 <li id="menu-item-455" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/know-your-rights/">Know your rights</a></li> 354 <li id="menu-item-464" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/consumer-credit-insurance/">Consumer credit insurance</a></li> 355 <li id="menu-item-468" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/cancel-direct-debits/">
355Cancel a direct debit</a></li> 356 <li id="menu-item-474" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/complaints-and-disputes/">Complaints & disputes</a></li> 357 </ul> 358</li> 359 <li id="menu-item-32377" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="#">Seek extra funds</a><i class="menu-sub-level-arrow"><svg class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba0e14a" style=" height:16px; width: 5.7142857142857px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 640 1792"><path d="M595 960q0 13-10 23l-466 466q-10 10-23 10t-23-10l-50-50q-10-10-10-23t10-23l393-393-393-393q-10-10-10-23t10-23l50-50q10-10 23-10t23 10l466 466q10 10 10 23z"/></svg></i> 360 <ul style="" class="sub-menu "> 361 <li id="menu-item-481" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/increase-your-income/">Increase your income</a></li> 362 <li id="menu-item-486" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/build-a-savings-buffer/">Build a savings buffer</a></li> 363 <li id="menu-item-490" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/no-interest-loan-scheme/">No Interest Loans</a></li> 364 <li id="menu-item-493" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/concessions-and-grants/">Concessions and grants</a></li> 365 <li id="menu-item-501" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/apply-for-government-benefits/">Apply for government benefits</a></li> 366 <li id="menu-item-517" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/access-superannuation/">Access superannuation</a><i class="menu-sub-level-arrow"><svg class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba12ec4" style=" height:16px; width: 5.7142857142857px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 640 1792"><path d="M595 960q0 13-10 23l-466 466q-10 10-23 10t-23-10l-50-50q-10-10-10-23t10-23l393-393-393-393q-10-10-10-23t10-23l50-50q10-10 23-10t23 10l466 466q10 10 10 23z"/></svg></i> 367 <ul style="" class="sub-menu "> 368 <li id="menu-item-32074" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/access-superannuation/early-release-due-to-severe-financial-hardship/">Early release of superannuation due to severe financial hardship</a></li> 369 <li id="menu-item-32651" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/access-superannuation/early-release-of-superannuation-to-prevent-foreclosure/">Early release of superannuation to prevent foreclosure</a></li> 370 <li id="menu-item-852" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/access-superannuation/early-release-on-compassionate-grounds/">Apply for early release on compassionate grounds</a></li> 371 </ul> 372</li> 373 <li id="menu-item-506" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/child-support/">Access Child Support</a></li> 374 <li id="menu-item-510" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/sell-assets/">Sell assets</a></li> 375 <li id="menu-item-524" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/borrow-from-friends-and-family/">Borrow from friends and family</a></li> 376 </ul> 377</li> 378 <li id="menu-item-530" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="#">Extreme financial difficulty</a><i class="menu-sub-level-arrow"><svg class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba13504" style=" height:16px; width: 5.7142857142857px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 640 1792"><path d="M595 960q0 13-10 23l-466 466q-10 10-23 10t-23-10l-50-50q-10-10-10-23t10-23l393-393-393-393q-10-10-10-23t10-23l50-50q10-10 23-10t23 10l466 466q10 10 10 23z"/></svg></i> 379 <ul style="" class="sub-menu "> 380 <li id="menu-item-531" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/emergency-assistance/">Emergency assistance</a></li> 381 <li id="menu-item-546" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/legal-advice/">Legal advice</a></li> 382 <li id="menu-item-4328" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/bankruptcy-and-other-formal-insolvency-options/">Bankruptcy and other formal insolvency options</a><i class="menu-sub-level-arrow"><svg class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba1395f" style=" height:16px; width: 5.7142857142857px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 640 1792"><path d="M595 960q0 13-10 23l-466 466q-10 10-23 10t-23-10l-50-50q-10-10-10-23t10-23l393-393-393-393q-10-10-10-23t10-23l50-50q10-10 23-10t23 10l466 466q10 10 10 23z"/></svg></i> 383 <ul style="" class="sub-menu "> 384 <li id="menu-item-543" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/bankruptcy/">Bankruptcy</a></li> 385 <li id="menu-item-4327" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/temporary-debt-protection/">Temporary debt protection</a></li> 386 <li id="menu-item-537" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/debt-agreement-part
386-ix/">Debt Agreement (Part IX)</a></li> 387 </ul> 388</li> 389 </ul> 390</li> 391</ul> 392</li> 393<li id="menu-item-1575" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children no-mega-menu"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/">Complex Situations</a> 394<ul style="" class="sub-menu "> 395 <li id="menu-item-1679" class="only-children menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/financial-abuse/">Financial abuse</a></li> 396 <li id="menu-item-1680" class="only-children menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/domestic-and-family-violence-and-financial-hardship/">Domestic and family violence and financial hardship</a></li> 397 <li id="menu-item-3642" class="only-children menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/disasters-financial-difficulty/">Disasters â financial difficulty</a><i class="menu-sub-level-arrow"><svg class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba13fd3" style=" height:16px; width: 5.7142857142857px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 640 1792"><path d="M595 960q0 13-10 23l-466 466q-10 10-23 10t-23-10l-50-50q-10-10-10-23t10-23l393-393-393-393q-10-10-10-23t10-23l50-50q10-10 23-10t23 10l466 466q10 10 10 23z"/></svg></i> 398 <ul style="" class="sub-menu "> 399 <li id="menu-item-10329" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/disasters-financial-difficulty/disaster-insurance-claims/">Disaster insurance claims</a></li> 400 <li id="menu-item-37153" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/disasters-financial-difficulty/disaster-chasers/">Disaster chasers</a></li> 401 </ul> 402</li> 403 <li id="menu-item-3787" class="only-children menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/mental-health-and-financial-hardship/">Mental health and financial hardship</a></li> 404 <li id="menu-item-9995" class="only-children menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/prison/">Prison</a></li> 405 <li id="menu-item-36812" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="#">Scams, data breaches and debt</a><i class="menu-sub-level-arrow"><svg class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba1451e" style=" height:16px; width: 5.7142857142857px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 640 1792"><path d="M595 960q0 13-10 23l-466 466q-10 10-23 10t-23-10l-50-50q-10-10-10-23t10-23l393-393-393-393q-10-10-10-23t10-23l50-50q10-10 23-10t23 10l466 466q10 10 10 23z"/></svg></i> 406 <ul style="" class="sub-menu "> 407 <li id="menu-item-36818" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/scams/">Scams</a></li> 408 <li id="menu-item-36832" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/scams/data-breaches/">Data breaches</a></li> 409 <li id="menu-item-36845" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/scams/debt-from-id-theft/">Debt from ID theft</a></li> 410 </ul> 411</li> 412</ul> 413</li> 414<li id="menu-item-175" class="only-children menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children no-mega-menu"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/financial-counselling/">Financial Counselling</a> 415<ul style="" class="sub-menu "> 416 <li id="menu-item-393" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/financial-counselling/what-is-financial-counselling/">What is financial counselling?</a></li> 417 <li id="menu-item-214" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/financial-counselling/find-a-financial-counsellor/">Find a Financial Counsellor</a></li> 418 <li id="menu-item-22939" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/financial-counselling/financial-counselling-diversity-and-inclusion/">Diversity and Inclusion</a></li> 419 <li id="menu-item-36591" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/what-people-say-about-our-service/">What people say</a></li> 420</ul> 421</li> 422<li id="menu-item-37040" class="menu-item menu-item-type-custom menu-item-object-custom no-mega-menu"><a class="menu-item-link js-smooth-scroll" href="#">Start Chat</a></li> 423<li id="menu-item-37180" class="menu-item menu-item-type-custom menu-item-object-custom no-mega-menu"><a class="menu-item-link js-smooth-scroll" href="#">Delete Chat</a></li> 424</ul></nav> </div> 425 </div> 426 427 428 <div class="mk-header-right"> 429 430<a href="" class="mk-header-start-tour add-header-height"> 431 <b>Contact a financial counsellor</b></br>Call 1800 007 007</br> <small><b>Weekdays 9:30am - 4:30pm</small></br><span>Live Chat</br><small>Weekdays 9:00am - 8:00pm</small></span></b> <svg class="mk-svg-icon" data-name="mk-icon-caret-right" data-cacheid="icon-6abf00ba14f5b" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 640 1792"><path d="M576 896q0 26-19 45l-448 448q-19 19-45 19t-45-19-19-45v-896q0-26 19-45t45-19 45 19l448 448q19 19 19 45z"/></svg></a> 432 </div> 433 434<div class="mk-responsive-wrap"> 435 436 <nav class="menu-main-menu-container"><ul id="menu-main-menu-1" class="mk-responsive-nav"><li id="responsive-menu-item-36933" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/know-your-rights/">Your Rights</a></li> 437<li id="responsive-menu-item-81" class="only-children menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/">Debt Problems</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba1dbb3" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 438<ul class="sub-menu "> 439 <li id="responsive-menu-item-207" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="#">Living Expenses</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba1df55" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 440 <ul class="sub-menu "> 441 <li id="responsive-menu-item-206" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/electricity-gas-and-water-bills/">Electricity Gas & Water Bills</a></li> 442 <li id="responsive-menu-item-250" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/phone-
442and-internet-bills/">Phone and Internet Bills</a></li> 443 <li id="responsive-menu-item-702" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/home-loans/">Home Loans</a></li> 444 <li id="responsive-menu-item-701" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/council-rates/">Council Rates</a></li> 445 <li id="responsive-menu-item-700" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/rent/">Rent</a></li> 446 <li id="responsive-menu-item-699" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/strata-levies/">Strata Levies</a></li> 447 <li id="responsive-menu-item-718" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/car-loans/">Car Loans</a></li> 448 <li id="responsive-menu-item-264" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/school-expenses/">School Expenses</a></li> 449 <li id="responsive-menu-item-284" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/child-support/">Child Support</a></li> 450 </ul> 451</li> 452 <li id="responsive-menu-item-285" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="#">Credit and Other Debts</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba1e6ad" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 453 <ul class="sub-menu "> 454 <li id="responsive-menu-item-319" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/bad-credit-rating/">Bad Credit Rating</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba1eae6" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 455 <ul class="sub-menu "> 456 <li id="responsive-menu-item-752" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/bad-credit-rating/get-your-credit-report/">Get your credit report</a></li> 457 <li id="responsive-menu-item-753" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/bad-credit-rating/fix-your-credit-report/">Fix your credit report</a></li> 458 </ul> 459</li> 460 <li id="responsive-menu-item-37015" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/buy-now-pay-later/">Buy Now Pay Later</a></li> 461 <li id="responsive-menu-item-717" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/car-accident-debt/">Car Accident Debt</a></li> 462 <li id="responsive-menu-item-362" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/centrelink-debts/">Centrelink Debts</a></li> 463 <li id="responsive-menu-item-298" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/credit-cards/">Credit Cards</a></li> 464 <li id="responsive-menu-item-367" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/fines/">Fines</a></li> 465 <li id="responsive-menu-item-313" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/interest-free-credit-card-deals/">Interest Free Credit Cards</a></li> 466 <li id="responsive-menu-item-288" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/payday-short-term-loans/">Pay Day Loans</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba1f1c4" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 467 <ul class="sub-menu "> 468 <li id="responsive-menu-item-746" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/payday-short-term-loans/difficulty-repaying-payday-short-term-loans/">Difficulty repaying payday loans</a></li> 469 <li id="responsive-menu-item-747" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/payday-short-term-loans/risks-of-payday-short-term-loans/">Risks of payday loans</a></li> 470 </ul> 471</li> 472 <li id="responsive-menu-item-310" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/personal-loans/">Personal Loans</a></li> 473 <li id="responsive-menu-item-283" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/product-rentals/">Product Rentals</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba2b302" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 474 <ul class="sub-menu "> 475 <li id="responsive-menu-item-737" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/product-rentals/difficulty-repaying-a-product-rental-lease/">Difficulty repaying a product rental (consumer lease)</a></li> 476 <li id="responsive-menu-item-738" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/product-rentals/before-signing-up-to-a-product-rental-lease/">Before signing up to a product rental (consumer lease)</a></li> 477 </ul> 478</li> 479 <li id="responsive-menu-item-16134" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/small-business-debt/">Small Business Debt</a></li> 480 <li id="responsive-menu-item-368" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/student-loans/">Student Loans</a></li> 481 <li id="responsive-menu-item-361" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/tax-debts/">Tax Debts</a></li> 482 </ul> 483</li> 484 <li id="responsive-menu-item-341" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="#">Debt Collection</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba2bda1" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 485 <ul class="sub-menu "> 486 <li id="responsive-menu-item-1144" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/debt-collection/">Debt Collection</a></li> 487 <li id="responsive-menu-item-352" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/debt-collection-old-debts/">Debt collection â Old Debts</a></li> 488 <li id="responsive-menu-item-374" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/being-sued/">Being Sued</a></li> 489 <li id="responsive-menu-item-373" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-problems/court-judgements/">Court judgments</a></li> 490 </ul> 491</li> 492</ul> 493</li> 494<li id="responsive-menu-item-162" class="only-children menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/">Debt Solutions</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba2c5e2" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 495<ul class="sub-menu "> 496 <li id="responsive-menu-item-426" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="#">Manage your debt</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba2caea" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 497 <ul class="sub-menu "> 498 <li id="responsive-menu-item-425" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/what-is-financial-hardship-and-what-are-your-rights/">What is financial hardship and what are your rights?</a></li> 499 <li id="responsive-menu-item-434" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/work-out-what-you-can-afford-to-pay/">Work out what you can afford</a></li> 500 <li id="responsive-menu-item-442" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/negotiate-payment-terms/">Negotiate payment terms</a></li> 501 <li id="responsive-menu-item-448" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/prioritise-your-debts/">Prioritise your debts</a></li> 502 <li id="responsive-menu-item-452" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/consolidate-your-loans/">Consolidate your loans</a></li> 503 <li id="responsive-menu-item-455" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/know-your-rights/">Know your rights</a></li> 504 <li id="responsive-menu-item-464" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/consumer-credit-insurance/">Consumer credit insurance</a></li> 505 <li id="responsive-menu-item-468" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/cancel-direct-debits/">
505Cancel a direct debit</a></li> 506 <li id="responsive-menu-item-474" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/complaints-and-disputes/">Complaints & disputes</a></li> 507 </ul> 508</li> 509 <li id="responsive-menu-item-32377" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="#">Seek extra funds</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba2d72d" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 510 <ul class="sub-menu "> 511 <li id="responsive-menu-item-481" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/increase-your-income/">Increase your income</a></li> 512 <li id="responsive-menu-item-486" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/build-a-savings-buffer/">Build a savings buffer</a></li> 513 <li id="responsive-menu-item-490" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/no-interest-loan-scheme/">No Interest Loans</a></li> 514 <li id="responsive-menu-item-493" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/concessions-and-grants/">Concessions and grants</a></li> 515 <li id="responsive-menu-item-501" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/apply-for-government-benefits/">Apply for government benefits</a></li> 516 <li id="responsive-menu-item-517" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/access-superannuation/">Access superannuation</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba2e0ff" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 517 <ul class="sub-menu "> 518 <li id="responsive-menu-item-32074" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/access-superannuation/early-release-due-to-severe-financial-hardship/">Early release of superannuation due to severe financial hardship</a></li> 519 <li id="responsive-menu-item-32651" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/access-superannuation/early-release-of-superannuation-to-prevent-foreclosure/">Early release of superannuation to prevent foreclosure</a></li> 520 <li id="responsive-menu-item-852" class="subsub menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/access-superannuation/early-release-on-compassionate-grounds/">Apply for early release on compassionate grounds</a></li> 521 </ul> 522</li> 523 <li id="responsive-menu-item-506" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/child-support/">Access Child Support</a></li> 524 <li id="responsive-menu-item-510" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/sell-assets/">Sell assets</a></li> 525 <li id="responsive-menu-item-524" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/borrow-from-friends-and-family/">Borrow from friends and family</a></li> 526 </ul> 527</li> 528 <li id="responsive-menu-item-530" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="#">Extreme financial difficulty</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba2e8e0" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 529 <ul class="sub-menu "> 530 <li id="responsive-menu-item-531" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/emergency-assistance/">Emergency assistance</a></li> 531 <li id="responsive-menu-item-546" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/legal-advice/">Legal advice</a></li> 532 <li id="responsive-menu-item-4328" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/bankruptcy-and-other-formal-insolvency-options/">Bankruptcy and other formal insolvency options</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba2ed02" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 533 <ul class="sub-menu "> 534 <li id="responsive-menu-item-543" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/bankruptcy/">Bankruptcy</a></li> 535 <li id="responsive-menu-item-4327" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/temporary-debt-protection/">Temporary debt protection</a></li> 536 <li id="responsive-menu-item-537" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/debt-solutions/debt-agreement-part
536-ix/">Debt Agreement (Part IX)</a></li> 537 </ul> 538</li> 539 </ul> 540</li> 541</ul> 542</li> 543<li id="responsive-menu-item-1575" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/">Complex Situations</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba2f1d4" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 544<ul class="sub-menu "> 545 <li id="responsive-menu-item-1679" class="only-children menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/financial-abuse/">Financial abuse</a></li> 546 <li id="responsive-menu-item-1680" class="only-children menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/domestic-and-family-violence-and-financial-hardship/">Domestic and family violence and financial hardship</a></li> 547 <li id="responsive-menu-item-3642" class="only-children menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/disasters-financial-difficulty/">Disasters â financial difficulty</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba2f605" style=" height:16px; width: 16px; " xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512"><path d="M512 192l-96-96-160 160-160-160-96 96 256 255.999z"/></svg></span> 548 <ul class="sub-menu "> 549 <li id="responsive-menu-item-10329" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/disasters-financial-difficulty/disaster-insurance-claims/">Disaster insurance claims</a></li> 550 <li id="responsive-menu-item-37153" class="menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/disasters-financial-difficulty/disaster-chasers/">Disaster chasers</a></li> 551 </ul> 552</li> 553 <li id="responsive-menu-item-3787" class="only-children menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/mental-health-and-financial-hardship/">Mental health and financial hardship</a></li> 554 <li id="responsive-menu-item-9995" class="only-children menu-item menu-item-type-post_type menu-item-object-page"><a class="menu-item-link js-smooth-scroll" href="https://ndh.org.au/complex-situations/prison/">Prison</a></li> 555 <li id="responsive-menu-item-36812" class="only-children menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"><a class="menu-item-link js-smooth-scroll" href="#">Scams, data breaches and debt</a><span class="mk-nav-arrow mk-nav-sub-closed"><svg class="mk-svg-icon" data-name="mk-moon-arrow-down" data-cacheid="icon-6abf00ba2fb3d" style=" height:16px; 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593 594</body> 595</body> 596</html> 597 598 599 <div id="theme-page" class="master-holder clearfix" itemscope="itemscope" itemtype="https://schema.org/Blog" > 600 <div class="master-holder-bg-holder"> 601 <div id="theme-page-bg" class="master-holder-bg js-el" ></div> 602 </div> 603 <div class="mk-main-wrapper-holder"> 604 <div id="mk-page-id-176" class="theme-page-wrapper mk-main-wrapper mk-grid full-layout no-padding"> 605 <div class="theme-content no-padding" itemprop="mainEntityOfPage"> 606 607<div class="mk-page-section-wrapper" data-mk-full-width="true" data-mk-full-width-init="true" data-mk-stretch-content="true"> 608 <div id="page-section-2" class="mk-page-section self-hosted full_layout full-width-2 js-el js-master-row simple-intro" data-intro-effect="false"> 609 610 611 <div class="mk-page-section-inner"> 612 613 614 615<div style="background-color:#0a0a0a;opacity:0;" class="mk-video-color-mask"></div> 616 617 618 </div> 619 620 621 <div class="page-section-content vc_row-fluid page-section-fullwidth " > 622 <div class="mk-padding-wrapper wpb_row"> 623<div class="vc_col-sm-12 internal-col wpb_column column_container _ height-full"> 624 625 626<div class="wpb_row vc_inner vc_row vc_row-fluid attched-false "> 627 628 <div class="wpb_column vc_column_container vc_col-sm-3"><div class="vc_column-inner"><div class="wpb_wrapper"></div></div></div><div class="wpb_column vc_column_container vc_col-sm-6"><div class="vc_column-inner"><div class="wpb_wrapper"> 629<h2 id="fancy-title-4" class="mk-fancy-title simple-style color-single"> 630 <span> 631 <p>ABOUT THE NATIONAL DEBT HELPLINE</p> 632 </span> 633</h2> 634<div class="clearboth"></div> 635 636 637 638 639<h2 id="fancy-title-5" class="mk-fancy-title simple-style wht color-single"> 640 <span> 641 <p>The National Debt Helpline is a not-for-profit service that helps people tackle their debt problems. We’re not a lender and we don’t ‘sell’ anything or make money from you. Our professional financial counsellors offer a free, independent and confidential service.</p> 642<p><strong>We’re simply here to help you get back on track.</strong></p> 643 </span> 644</h2> 645<div class="clearboth"></div> 646 647 648 649</div></div></div><div class="wpb_column vc_column_container vc_col-sm-3"><div class="vc_column-inner"><div class="wpb_wrapper"></div></div></div> 650</div> 651</div> 652</div> 653 <div class="clearboth"></div> 654 </div> 655 656 657 658 659 <div class="mk-shape-divider mk-shape-divider--stick curve-bottom-style big-size mk-shape-divider--stick-bottom" id="mk-shape-divider-6"> 660 <div class="shape__container"> 661 <div class="shape"> 662 663 <svg width="100%" height="80px"> 664 <defs> 665 <pattern id="shapeDividerPattern-6" preserveaspectratio="none" style="background-repeat: none;" patternunits="userSpaceOnUse" x="0" y="0" width="100%" height="800px" viewbox="0 0 100 800"> 666 <path fill="#fff" d="M0,0v80h100V0c0,0,0,78-50,78S0,0,0,0z"></path> 667 </pattern> 668 </defs> 669 670 <!-- Background --> 671 <rect x="0" y="0" width="100%" height="80px" fill="url(#shapeDividerPattern-6)"></rect> 672 </svg> 673 </div> 674 </div> 675 </div> 676 <div class="clearboth"></div> 677 </div> 678</div> 679<div class="vc_row-full-width vc_clearfix"></div> 680 681 682<div data-mk-stretch-content="true" class="wpb_row vc_row vc_row-fluid mk-fullwidth-false attched-false vc_custom_1568951588557 js-master-row mk-grid"> 683 684<div class="vc_col-sm-12 wpb_column column_container _ height-full"> 685 <div class="mk-image mk-image-8 align-center simple-frame inside-image " style="margin-bottom:10px"><div class="mk-image-container" style="max-width: 1281px;"><div class="mk-image-holder" style="max-width: 1281px;"><div class="mk-image-inner "><img fetchpriority="high" decoding="async" class="lightbox-false" alt="sarah-calc-1" title="sarah-calc-1" width="1281" height="717" src="https://ndh.org.au/wp-content/uploads/2019/05/sarah-calc-1.jpg" /></div></div><div class="clearboth"></div></div></div></div> 686 </div> 687 688<div id="page-content" data-mk-stretch-content="true" class="wpb_row vc_row vc_row-fluid mk-fullwidth-false attched-false vc_custom_1556669845920 js-master-row mk-grid"> 689 690<div class="vc_col-sm-12 wpb_column column_container _ height-full"> 691 <div class=" vc_custom_1722915240914"> 692 693<div id="text-block-10" class="mk-text-block "> 694 695 696 <h1>How the National Debt Helpline works</h1> 697<p>When you’re in financial trouble, your first port of call should be the National Debt Helpline. If you can’t find the answer to your situation on our website, call <strong>1800 007 007</strong>. One of our trained financial counsellors will assess your situation and provide you with <strong>free</strong> advice.</p> 698<p>If your matter is more complex, they can refer you to your closest face-to-face financial counselling service.</p> 699<p>They’ll also put you in touch with the right service you require, such as legal services, crisis food and accommodation services, and health services.</p> 700<p><a href="https://ndh.org.au/Talk-to-a-financial-counsellor/What-is-financial-counselling">Read more about what our financial counsellors do</a></p> 701<p> </p> 702<h2>
702Who you’ll speak to when you call the National Debt Helpline</h2> 703<p>Our financial counsellors are non-judgmental, qualified professionals who work in community organisations across Australia. They are also very good listeners.</p> 704<p> </p> 705<h2>How long the helpline call takes</h2> 706<p>The length of your phone financial counselling session will depend on your enquiry. Our financial counsellors may arrange to call you back for a longer chat if needed, or they might ask you to see a counsellor in your area if the situation is complex.</p> 707<p>When you call, try to have the following on hand:</p> 708<ul> 709<li>details of your income</li> 710<li>a list of all debts</li> 711<li>copies of (or information about) all loan agreements</li> 712<li>details of current and outstanding bills</li> 713<li>copies of (or information about) any court documents you’ve received</li> 714<li>letters about bills and debts that seem urgent</li> 715</ul> 716<p>If you don’t have everything, don’t worry. We’ll work through it with you when you call.</p> 717<p> </p> 718<h2>When you can call the National Debt Helpline</h2> 719<p>You can call the National Debt Helpline from 9.30am to 4.30pm Monday to Friday.</p> 720<p> </p> 721<p><cite>This website has been developed thanks to a generous grant from Financial Literacy Australia Ltd. The National Debt Helpline has ongoing support and funding from both the federal government’s Department of Social Services and the state governments of Victoria and NSW.</cite></p> 722 723 <div class="clearboth"></div> 724</div> 725 726 </div> 727</div> 728 </div> 729 730<div data-mk-stretch-content="true" class="wpb_row vc_row vc_row-fluid mk-fullwidth-false attched-false js-master-row mk-grid"> 731 732<div class="vc_col-sm-12 wpb_column column_container _ height-full"> 733 <div class="templatera_shortcode"><style type="text/css" data-type="vc_shortcodes-custom-css">.vc_custom_1635736520936{padding-top: 65px !important;padding-bottom: 65px !important;background-color: #333333 !important;}</style> 734<div data-mk-full-width="true" data-mk-full-width-init="false" class="wpb_row vc_row vc_row-fluid mk-fullwidth-true attched-false ndh-pre-footer vc_custom_1635736520936 js-master-row ">
735 <div class="mk-grid"> 736 737<div class="vc_col-sm-12 wpb_column column_container _ height-full"> 738 <div class="mk-image mk-image-13 align-center simple-frame inside-image " style="margin-bottom:45px"><div class="mk-image-container" style="max-width: 400px;"><div class="mk-image-holder" style="max-width: 400px;"><div class="mk-image-inner "><img decoding="async" class="lightbox-false" alt="ndh_ico" title="ndh_ico" width="400" height="401" src="https://ndh.org.au/wp-content/uploads/bfi_thumb/ndh_ico-o6x8myye0foma2mlilq0qe1eo30x1ag6pj1fgyxqos.png" /></div></div><div class="clearboth"></div></div></div> 739<h2 id="fancy-title-14" class="mk-fancy-title simple-style footer-intro color-single"> 740 <span> 741 <p>You might feel overwhelmed, but you have options and there are steps you can take yourself. But if you feel you need a bit more guidance or need help quickly, simply call us.</p> 742 </span> 743</h2> 744<div class="clearboth"></div> 745 746 747 748 749<div id="mk-button-15" class="mk-button-container _ relative block text-center "> 750 751
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vendor: 1 bytes, line 846
846
847<script type="text/javascript" src="https://ndh.org.au/wp-content/plugins/freshchat-customisation/js/mediamatch.js?ver=6.5.3" id="freshchat_customization_media_match-js"></script>
vendor: 1 bytes, line 847
847
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vendor: 1 bytes, line 848
848
849<script type="text/javascript" src="https://ndh.org.au/wp-content/themes/web/assets/js/min/full-scripts.6.1.5.js?ver=1556186831" id="theme-scripts-js"></script>
vendor: 1 bytes, line 849
849
850<script type="text/javascript" src="https://ndh.org.au/wp-content/themes/web/header-builder/includes/assets/js/mkhb-render.js?ver=6.1.5" id="mkhb-render-js"></script>
vendor: 1 bytes, line 850
850
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vendor: 1 bytes, line 851
851
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vendor: 1 bytes, line 852
852
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vendor: 1 bytes, line 857
857
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vendor: 1 bytes, line 858
858
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vendor: 1 bytes, line 859
859
860<script type="text/javascript"> window.get = {}; window.get.captcha = function(enteredCaptcha) { 861 return jQuery.get(ajaxurl, { action : "mk_validate_captcha_input", captcha: enteredCaptcha }); 862 };</script>
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Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.