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39.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;}
40.wp-block-navigation a:where(:not(.wp-element-button)){color: inherit;}
41:where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;}
42:where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;}
43.wp-block-pullquote{font-size: 1.5em;line-height: 1.6;}
44</style>
45<style id='mobile-button-css-handle-inline-css' type='text/css'>
46div.fcc-exit-left
47                                    {
48                                            background-color: #8cb446 !important;
49                                    }
50                                    
51                                    body
52                                    {
53                                            margin-top:50px; 
54                                    }
55</style>
56<link rel='stylesheet' id='freshchat_nav_menu_css-css' href='https://ndh.org.au/wp-content/plugins/freshchat-customisation/css/freshchatNavMenu.css?ver=6.5.3' type='text/css' media='all' />
57<link rel='stylesheet' id='freshchat_buttons_css-css' href='https://ndh.org.au/wp-content/plugins/freshchat-customisation/css/freshchatButtons.css?ver=6.5.3' type='text/css' media='all' />
58<link rel='stylesheet' id='pdf-generator-addon-for-wordpress-visual-composer-css' href='https://ndh.org.au/wp-content/plugins/pdf-generator-addon-for-wordpress-visual-composer/public/css/pdf-generator-addon-for-wordpress-visual-composer-public.css?ver=2.0.0' type='text/css' media='all' />
59<link rel='stylesheet' id='simple-banner-style-css' href='https://ndh.org.au/wp-content/plugins/simple-banner/simple-banner.css?ver=3.2.1' type='text/css' media='all' />
60<link rel='stylesheet' id='font-awesome-css' href='https://ndh.org.au/wp-content/plugins/js_composer_theme/assets/lib/bower/font-awesome/css/font-awesome.min.css?ver=5.5.5' type='text/css' media='all' />
61<link rel='stylesheet' id='theme-styles-css' href='https://ndh.org.au/wp-content/themes/web/assets/stylesheet/min/full-styles.6.1.5.css?ver=1556186833' type='text/css' media='all' />
62<style id='theme-styles-inline-css' type='text/css'>
63body { background-color:#fff; } .hb-custom-header #mk-page-introduce, .mk-header { background-color:#f7f7f7;background-size:cover;-webkit-background-size:cover;-moz-background-size:cover; } .hb-custom-header > div, .mk-header-bg { } .mk-classic-nav-bg { } .master-holder-bg { background-color:#fff; } #mk-footer { background-color:#333333; } #mk-boxed-layout { -webkit-box-shadow:0 0 px rgba(0, 0, 0, ); -moz-box-shadow:0 0 px rgba(0, 0, 0, ); box-shadow:0 0 px rgba(0, 0, 0, ); } .mk-news-tab .mk-tabs-tabs .is-active a, .mk-fancy-title.pattern-style span, .mk-fancy-title.pattern-style.color-gradient span:after, .page-bg-color { background-color:#fff; } .page-title { font-size:20px; color:#4d4d4d; text-transform:uppercase; font-weight:400; letter-spacing:2px; } .page-subtitle { font-size:14px; line-height:100%; color:#a3a3a3; font-size:14px; text-transform:none; } .header-style-1 .mk-header-padding-wrapper, .header-style-2 .mk-header-padding-wrapper, .header-style-3 .mk-header-padding-wrapper { padding-top:310px; } .mk-process-steps[max-width~="950px"] ul::before { display:none !important; } .mk-process-steps[max-width~="950px"] li { margin-bottom:30px !important; width:100% !important; text-align:center; }
63 .mk-event-countdown-ul[max-width~="750px"] li { width:90%; display:block; margin:0 auto 15px; } .compose-mode .vc_element-name .vc_btn-content { height:auto !important; } body, h1, h2, h3, h4, h5, h6, p:not(.form-row):not(.woocommerce-mini-cart__empty-message):not(.woocommerce-mini-cart__total):not(.woocommerce-mini-cart__buttons):not(.mk-product-total-name):not(.woocommerce-result-count), .woocommerce-customer-details address, a, textarea,input,select,button, #mk-page-introduce, .the-title, .mk-edge-title, .edge-title, .mk-edge-desc, .edge-desc, .main-navigation-ul, .mk-vm-menuwrapper, #mk-footer-navigation ul li a, .vm-header-copyright, .mk-footer-copyright, .mk-content-box, .filter-portfolio a, .mk-button, .mk-blockquote, .mk-pricing-table .mk-offer-title, .mk-pricing-table .mk-pricing-plan, .mk-pricing-table .mk-pricing-price, .mk-tabs-tabs a, .mk-accordion-tab, .mk-toggle-title, .mk-dropcaps, .price, .mk-imagebox, .mk-event-countdown, .mk-fancy-title, .mk-button-gradient, .mk-iconBox-gradient, .mk-custom-box, .mk-ornamental-title, .mk-subscribe, .mk-timeline, .mk-blog-container .mk-blog-meta .the-title, .post .blog-single-title, .mk-blog-hero .content-holder .the-title, .blog-blockquote-content, .blog-twitter-content, .mk-blog-container .mk-blog-meta .the-excerpt p, .mk-single-content p, .mk-employees .mk-employee-item .team-info-wrapper .team-member-name, .mk-testimonial-quote, .mk-contact-form, .mk-contact-form input,.mk-contact-form button, .mk-box-icon .icon-box-title { font-family:Lato } @font-face { font-family:'star'; 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font-weight:normal; font-style:normal; } .only-children.menu-item { background-color:#ff000000 !important; } .mk-responsive-nav li { display:block !important;} .tdt-slider .carousel-caption { position:initial !important; display:inline-grid; } img.ultimate-slide-img { width:61px; margin:auto; display:flow; margin-bottom:-28px !important;} .carousel-caption { margin-top:28px; } .inc { max-width:176px; position:absolute; right:117px; } .web-link-footer { background-color:#221e1f!important; text-align:left; } section#media_image-3 { max-width:70px; } i.icon-ic_chat_icon { display:none!important; } a.pgfw-single-pdf-download-button:after { content:'Download PDF of Page'; color:#000; margin-left:9px; } .sgb_pdf_wrapper img { float:right; } .sgb_pgawvc_pdf_button:hover { opacity:0.9; } .overview .mk-button.skin-dark .mk-svg-icon { fill:#ffffff; } .overview .page-section-content { padding-left:111px!important; } .overview-steps-btn { margin-top:-122px!important; } .overview .mk-button.skin-dark:hover .mk-svg-icon { fill:#252525!important; } .overview-col1 { max-width:9; padding-right:10%; } .overview .mk-button--dimension-savvy.mk-button--corner-full_rounded { -webkit-mask-image:none; } .overview .mk-button { background-color:#a0c11c!important; color:#FFF!important; border-color:#a0c11c!important; } .overview .mk-button:hover { color:#000 !important; background-color:#d6d6d6!important; border-color:#a0c11c!important; } .overview .mk-button--dimension-savvy.skin-dark::after { background-color:#ffffff; } @media (min-width:1140px) { .chat-mob-buttons { display:none; } } .mk-header.sticky-style-fixed .mk-header-inner .mk-header-start-tour { transition:none; -webkit-transition:none; -moz-transition:inherit; -ms-transition:inherit; -o-transition:none; } .chat-open button, .chat-clear button { background:rgba(200, 54, 54, 0)!important; } .chat-right, .chat-left { width:50%; float:left; text-align:center; padding-bottom:10px; } .chat-mob-buttons { height:62px; } .chat-mob-buttons button { background:rgba(200, 54, 54, 0); border:0; 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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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288<ul style="" class="sub-menu ">
289	<li id="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><i class="menu-sub-level-arrow"><svg  class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba0ba27" 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>
290	<ul style="" class="sub-menu ">
291		<li id="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 &#038; Water Bills</a></li>
292		<li id="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-and-internet-bills/">Phone and Internet Bills</a></li>
293		<li id="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>
294		<li id="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>
295		<li id="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>
296		<li id="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>
297		<li id="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>
298		<li id="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>
299		<li id="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>
300	</ul>
301</li>
302	<li id="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><i class="menu-sub-level-arrow"><svg  class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba0c1a4" 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>
303	<ul style="" class="sub-menu ">
304		<li id="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><i class="menu-sub-level-arrow"><svg  class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba0c4de" 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>
305		<ul style="" class="sub-menu ">
306			<li id="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>
307			<li id="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>
308		</ul>
309</li>
310		<li id="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>
311		<li id="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>
312		<li id="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>
313		<li id="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>
314		<li id="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>
315		<li id="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>
316		<li id="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><i class="menu-sub-level-arrow"><svg  class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba0cb23" 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>
317		<ul style="" class="sub-menu ">
318			<li id="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>
319			<li id="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>
320		</ul>
321</li>
322		<li id="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>
323		<li id="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><i class="menu-sub-level-arrow"><svg  class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba0cfbd" 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>
324		<ul style="" class="sub-menu ">
325			<li id="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>
326			<li id="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>
327		</ul>
328</li>
329		<li id="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>
330		<li id="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>
331		<li id="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>
332	</ul>
333</li>
334	<li id="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><i class="menu-sub-level-arrow"><svg  class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba0d515" 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>
335	<ul style="" class="sub-menu ">
336		<li id="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>
337		<li id="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 – Old Debts</a></li>
338		<li id="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>
339		<li id="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>
340	</ul>
341</li>
342</ul>
343</li>
344<li id="menu-item-162" 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/debt-solutions/">Debt Solutions</a>
345<ul style="" class="sub-menu ">
346	<li id="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><i class="menu-sub-level-arrow"><svg  class="mk-svg-icon" data-name="mk-icon-angle-right" data-cacheid="icon-6abf00ba0da63" 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>
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 &#038; 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
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387		</ul>
388</li>
389	</ul>
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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>
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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>
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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>
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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>
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424</ul></nav>                        </div>
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427
428                    <div class="mk-header-right">
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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>
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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>
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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>
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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 &#038; 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 – 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>
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629<h2 id="fancy-title-4" class="mk-fancy-title  simple-style   color-single">
630	<span>
631				<p>ABOUT THE NATIONAL DEBT HELPLINE</p>
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641				<p>The National Debt Helpline is a not-for-profit service that helps people tackle their debt problems. We&#8217;re not a lender and we don&#8217;t &#8216;sell&#8217; anything or make money from you. Our professional financial counsellors offer a free, independent and confidential service.</p>
642<p><strong>We&#8217;re simply here to help you get back on track.</strong></p>
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696	<h1>How the National Debt Helpline works</h1>
697<p>When you&#8217;re in financial trouble, your first port of call should be the National Debt Helpline. If you can&#8217;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&#8217;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>&nbsp;</p>
702<h2>
702Who you&#8217;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>&nbsp;</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&#8217;ve received</li>
714<li>letters about bills and debts that seem urgent</li>
715</ul>
716<p>If you don&#8217;t have everything, don&#8217;t worry. We&#8217;ll work through it with you when you call.</p>
717<p>&nbsp;</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>&nbsp;</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&#8217;s Department of Social Services and the state governments of Victoria and NSW.</cite></p>
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832
833<script type="text/javascript" src="https://ndh.org.au/wp-includes/js/masonry.min.js?ver=4.2.2" id="masonry-js"></script>
vendor: 1 bytes, line 833
833
834<script type="text/javascript" src="https://ndh.org.au/wp-content/plugins/custom-layouts/assets/js/frontend/custom-layouts.js?ver=1.4.12" id="custom-layouts-js"></script>
vendor: 1 bytes, line 834
834
835<script type="text/javascript" src="https://ndh.org.au/wp-content/plugins/freshchat-customisation/js/preventEnterKeyDefault.js?ver=6.5.3" id="news_enter_key_default-js"></script>
vendor: 1 bytes, line 835
835
836<script type="text/javascript" id="freshchat_customization_nav_menu-js-extra">
837/* <![CDATA[ */
838var options = {"branding":"ndh","freshchat_bot":"
838<script>\r\n  function initFreshChat() {\r\n    window.fcWidget.init({\r\n      \t token: \"ef3eafb6-19d6-452b-96e9-73c14fe8ac0b\",\r\n\t host: \"https:\/\/financialcounsellingaustralia.freshchat.com\",\r\n\t widgetUuid: \"fa10d175-53c7-4484-9276-da43e94d07c0\"\r\n    });\r\n  }\r\n  function initialize(i,t){var e;i.getElementById(t)?\r\n  initFreshChat():((e=i.createElement(\"script\")).id=t,e.async=!0,\r\n  e.src=\"https:\/\/financialcounsellingaustralia.freshchat.com\/js\/widget.js\",e.onload=initFreshChat,i.head.appendChild(e))}\r\n  function initiateCall(){initialize(document,\"Freshchat-js-sdk\")}\r\n  window.addEventListener?window.addEventListener(\"load\",initiateCall,!1):\r\n  window.attachEvent(\"load\",initiateCall,!1);\r\n<\/script>","smallScreen":"1140px","topOffset":"1"};
839/* ]]> */
840</script>
vendor: 1 bytes, line 840
840
841<script type="text/javascript" src="https://ndh.org.au/wp-content/plugins/freshchat-customisation/js/freshchatMobileNavMenu.js?ver=6.5.3" id="freshchat_customization_nav_menu-js"></script>
vendor: 1 bytes, line 841
841
842<script type="text/javascript" id="freshchat_customization_media_match-js-extra">
843/* <![CDATA[ */
844var options = {"branding":"ndh","freshchat_bot":"
844<script>\r\n  function initFreshChat() {\r\n    window.fcWidget.init({\r\n      \t token: \"ef3eafb6-19d6-452b-96e9-73c14fe8ac0b\",\r\n\t host: \"https:\/\/financialcounsellingaustralia.freshchat.com\",\r\n\t widgetUuid: \"fa10d175-53c7-4484-9276-da43e94d07c0\"\r\n    });\r\n  }\r\n  function initialize(i,t){var e;i.getElementById(t)?\r\n  initFreshChat():((e=i.createElement(\"script\")).id=t,e.async=!0,\r\n  e.src=\"https:\/\/financialcounsellingaustralia.freshchat.com\/js\/widget.js\",e.onload=initFreshChat,i.head.appendChild(e))}\r\n  function initiateCall(){initialize(document,\"Freshchat-js-sdk\")}\r\n  window.addEventListener?window.addEventListener(\"load\",initiateCall,!1):\r\n  window.attachEvent(\"load\",initiateCall,!1);\r\n<\/script>","smallScreen":"1140px","topOffset":"1"};
845/* ]]> */
846</script>
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
848<script type="text/javascript" src="https://ndh.org.au/wp-includes/js/comment-reply.min.js?ver=6.5.3" id="comment-reply-js" async="async" data-wp-strategy="async"></script>
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
851<script type="text/javascript" src="https://ndh.org.au/wp-content/themes/web/header-builder/includes/assets/js/mkhb-column.js?ver=6.1.5" id="mkhb-column-js"></script>
vendor: 1 bytes, line 851
851
852<script type="text/javascript" src="https://ndh.org.au/wp-content/plugins/pdf-generator-addon-for-wordpress-visual-composer/public/js/html2canvas.js?ver=6.5.3" id="html2canvas-js"></script>
vendor: 1 bytes, line 852
852
853<script type="text/javascript" id="pdf-generator-addon-for-wordpress-visual-composer-js-extra">
854/* <![CDATA[ */
855var sgb_pgawvc_obj = {"ajax_url":"https:\/\/ndh.org.au\/wp-admin\/admin-ajax.php"};
856/* ]]> */
857</script>
vendor: 1 bytes, line 857
857
858<script type="text/javascript" src="https://ndh.org.au/wp-content/plugins/pdf-generator-addon-for-wordpress-visual-composer/public/js/pdf-generator-addon-for-wordpress-visual-composer-public.js?ver=2.0.0" id="pdf-generator-addon-for-wordpress-visual-composer-js"></script>
vendor: 1 bytes, line 858
858
859<script type="text/javascript" src="https://ndh.org.au/wp-content/plugins/js_composer_theme/assets/js/dist/js_composer_front.min.js?ver=5.5.5" id="wpb_composer_front_js-js"></script>
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>
862
863	</body>
864</html>
865
866
867<!-- Page cached by LiteSpeed Cache 6.5.2 on 2026-10-02 10:54:18 -->

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.