Financial Counselling Service


Midlas financial counsellors offer a free service to help you address financial problems, provide you with options to make informed choices and build longer-term capability to budget and manage money. We can help with a wide range of issues including, but not limited to:

  • Budgeting information, advice, tips, and resources to help you set up a budget that works for you
  • Providing you with tools to deal with debt
  • Giving information on your rights as a consumer and helping with complaints on every level including the  Australian Financial Complaints Authority (AFCA)
  • Giving information about debt consolidation options including Part IX’s, and bankruptcy
  • Giving information in regards to accessing superannuation and insurance (please note Midlas is not an access service and cannot assist in completion of forms except in cases of disability
  • Advocating on your behalf with creditors and financial institutions when you are not able or supported to do so
  • Assisting with complaints to the Australian Financial Complaints Authority (AFCA)
  • Provide education and training to help you take control of your finances, and
  • Assistance with WA No Interest Loan Scheme applications

Please note we are not a bill-paying service

Did you know? 40% of your appointment time is spent working out your budget! Get the most out of your appointment:
Pre-fill a budget before you come in. You can download a simplified version here or you can use the more detailed version here. Both can be printed out and brought with you or saved and emailed to your advocate. Congratulations on getting started!”

Other things to bring along are:
Any letters or bills related to the issue
Income details (payslip or Centrelink income statement)
Bank statements for the past three months

Case Studies



Useful Links

Centrelink Payment Finder
Find out if you’re eligible for a payment

Money Smart
Free financial guidance tools and information including Budget Planner and Divorce and Separation Financial Checklist

WA No Interest Loan Scheme
No interest loans for people receiving Centrelink income support

National Debt Helpline
Call 1800 007 007 for free confidential help and advice

Australian Financial Complaints Authority (AFCA)
Fair, free and independent dispute resolution for financial complaints

Telecommunications Industry Ombudsman
For complaints regarding your phone and internet service

Ombudsman WA
For complaints in regards Western Australian public authorities including State government agencies, statutory authorities, local governments and public universities

Energy and Water Ombudsman WA
For complaints related to your gas, water and electricity provider

ACCC (Australian Competition and Consumer Commission)
Information and advice for consumers

Financial Counselling Network
As part of the network Midlas clients are able to attend any other member agencies no matter where you live

Consumer Credit Legal Service (WA) Inc.
Provides legal advice and representation to consumers in WA in the areas of credit, banking and finance

Department of Commerce WA
Information about consumer protection, housing and accommodation, consumer rights, businesses, licenses and registrations, charities and associations and complaints

Australian Financial Security Authority
For information on personal insolvency and form Debt Agreement such as Part IXs