Financial counselling is a free community service provided by financial counsellors working in non-profit organisations that assist consumers who are experiencing financial problems. As well as supporting and educating the client in various forms, a financial counsellor can provide the following for their clients: A full assessment of their financial situation, including regular income and expenditure, assets and liabilities. Information as to entitlements to government forms of assistance. Information and options for change and improvement. The ability to negotiate on behalf of the client with credit providers, government agencies and other business providers. Information on credit laws, the debt recovery process, bankruptcy and other areas of legislation such as superannuation, insurance and harassment to name a few.