Financial Counselling and Capability Service

Midlas financial counsellors provide individual advocacy, education and support to people in financial difficulty by helping address financial problems, providing options to make informed choices and build longer-term capability to budget and manage money.

We can inform, negotiate and support with a  wide range of issues including, but not limited to:

Budgeting information, advice, tips, and resources to help you set up a successful budget and stay motivated

Providing you with tools  to deal with  creditors

Information on consumer rights including information about consumer credit and independent dispute resolutions schemes

Information about bankruptcy

Claims and insurance information in regards your superannuation for hardship or total permanent disability

Make appropriate referrals to legal services, emergency relief providers and other local services

Provide  education and training to help you take control of your finances

Assistance with WA No Interest Loan Scheme applications

What to bring to your appointment

A recent Centrelink Income Statement and/or payslip

Bank statements for the past three months

Any letters or bills related to the issue



Useful Links 


Money Smart Free financial guidance tools and information

Financial Counsellors Association of WA

Consumer Credit Legal Service (WA) Inc.

WA No Interest Loan Scheme

Department of Commerce

Financial Ombudsman For complaints regarding: banking, credit, loans, general insurance, life insurance, financial planning, investments, stock broking, managed funds, pooled superannuation trusts, estate planning, estate management and trustee services

Credit and Investments Ombudsman  For complaints regarding: non-bank lenders, finance brokers, credit unions, building societies, debt collection firms, financial planners, trustees, servicers, aggregators, mortgage managers

Telecommunications Industry Ombudsman For complaints regarding your telecommunications service

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

Australian Financial Security Authority For information on personal insolvency

National Debt Helpline

Financial Counselling Network