Shield › New hardship case
Tell us what's happening.
Speak naturally or type. We'll fill in the rest. Your adviser Sarah K. (NDH) sees this when you're ready.
Or type below if you prefer. Switch anytime.
Available — call 131 450 to add a TIS National interpreter to this session.
What money do you owe right now?
Add each debt. We'll only use this to draft the right letter for you.
Debts you've added
Have they been calling?
"Asked when next payment will be made. I told them I'd lost my job."
"Same person, asked if I could pay $500 by Friday."
"After hours. Said they'd send debt collectors."
After-hours · ASIC §16 frequency checkWhat we'll do with this
- We'll draft a Section 72 hardship variation request to Westpac.
- We'll detect any unfair debt collection — we already flagged one.
- We'll build you an action plan with deadlines.
- Sarah K. will review before anything is sent.
Your adviser
She'll see this when you submit Step 4. You can talk to her any time.
Send Sarah a messagePrivacy
What you tell us stays here. We don't share with banks until you sign your Authority to Act on the next step. We don't sell data. NDH counsellors who join your case see only what you choose to share.