Hardship HubFrom application to activation, typically within a few weeks.
Here’s exactly what happens at each step. Creditors have up to 21 days to respond to a proposal, and you’ll have a short window to confirm the final arrangement before your plan activates, so allow a few weeks from submission to first payment.
Apply
A 15-minute online form. Tell us about your income, essential costs, and the unsecured debts you're struggling with. There's no credit check and no obligation.
Verify your identity
A quick ID check through a secure Australian provider (driver's licence or passport). Protects you and keeps us compliant.
We calculate your plan
We use the Household Expenditure Measure (HEM) alongside your rent or mortgage, secured creditor payments, and other essential costs to work out a realistic monthly payment, then allocate what's left proportionally across your unsecured creditors.
We propose to your creditors
We prepare proposals and send them to each creditor through our creditor portal. You don't pick up the phone.
Creditors respond
Creditors have up to 21 days to review. Not every proposal is accepted — some creditors decline. You'll see each response as it comes in.
Your plan begins
Once the arrangement is finalised, you'll have up to 7 days to confirm and sign the service agreement. Your 3-month Temporary Hardship Plan then activates — one direct debit per month, and we distribute to each creditor on your behalf.
Ready when you are.
No credit check to apply. About 15 minutes.