Help Centre
Hardship & support
Help if paying would cause hardship, and where to find free advice.
What counts as financial hardship?
Hardship means paying a debt would leave you unable to meet reasonable living expenses. Here’s what to know.
Read articleCan someone deal with Merion on my behalf?
Yes. A financial counsellor, family member or other representative can act for you with your consent.
Read articleI’m experiencing financial hardship — what support is available?
If paying would cause genuine hardship, tell us — we can take your circumstances into account.
Read articleWhere can I get free financial counselling?
Free, independent and confidential financial counselling is available in Australia through the National Debt Helpline.
Read article