HERE TO HELP / Free letters. Clear next steps.

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Find an official contact route, check the public records and prepare your questions. These independent guides do not authenticate your letter or decide whether you owe a debt.

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Start with the guide to checking an unfamiliar collector. Write down the company name, the original provider and the reference. If the paperwork is unclear, find free help before deciding how to respond.

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Free help: The National Debt Helpline puts you in touch with a free financial counsellor.

National Debt Helpline1800 007 007 Visit ndh.org.au