Hotline role in debt prevention and bankruptcy

1. Early identification of financial risks

The hotline promptly screens the level of debt burden: the operator asks about the amount of losses, loan obligations and signs of non-payment. The earlier the risk is identified, the more chances there are to correct the situation to a critical point.

2. Primary financial orientation

Budget educational program: basic methods of drawing up a "minimum" budget in order to keep basic expenses (housing, food).
Payment priorities: clear instructions on which debts are repaid in the first place (mortgage, communal apartment), and which can be consolidated or restructured.

3. Referral to financial advisors

The operator provides contacts of proven free Financial Counseling services (through Gambling Help Services and National Debt Helpline), explains what documents to prepare and how to make an appointment for a consultation.

4. Assistance in negotiations with creditors

Hardship request: assistance in drawing up a letter to a bank or microfinance organization with a request to defer payments or reduce interest.
Debt restructuring: consultation on possible schemes for combining loans into one payment with more favorable conditions.

5. Emergency routing

If delays are detected for more than 30-60 days, the operator offers emergency measures:

• 1. Liaising with National Debt Helpline for immediate consultation.
• 2. Referral to Community Legal Centre to assess reservoir protection options.

6. Integration with Responsible Gambling

Under the NCPF, the operator recalls self-disconnection tools and deposit restrictions to stop new debt from coming in.
Technical support: instructions for setting limits in online accounts.

7. Regular follow-up calls

After 1-2 weeks and then monthly, the operator checks:

• Whether budget recommendations are being implemented.
• Whether agreements have been concluded with creditors.
• Are there any new delinquencies.

8. Training and Web Modules

The hotline provides links to interactive online financial literacy courses on Gambling Help Online:

• "Manage debt step by step"
• "Plan your personal budget after a gambling addiction"

9. Social Services Partnership

For complex problems, the operator offers additional measures:

• Welfare payments through Centrelink to cover primary needs.
• Temporary residence in crisis centers if threatened with eviction due to debts.

10. Achieving financial stability and preventing bankruptcy

Comprehensive hotline support - from diagnostics to telephone reminders and professional support - makes it possible:

• Reduce the total debt burden by 30-50% in the first 3-6 months.
• Avoid official bankruptcy proceedings by retaining credit history and property.
• Build a long-term plan for financial security and relapse prevention.

A timely call to the 1800 858 858 hotline is the first and key step to ensure that the debt hole does not turn into bankruptcy, and control over finances is restored at all stages of overcoming gambling addiction.