Financial Counselling Victoria (FCVic) is the peak body and professional association for financial counsellors in Victoria. FCVic provides resources and support to financial counsellors and their agencies who assist vulnerable Victorians experiencing financial difficulty. We work with government, banks, utilities, debt collection and other stakeholders to improve approaches to financial difficulty for vulnerable consumers. Financial counsellors provide assistance, advocacy and information to people experiencing financial difficulty or who have problems with debt. In Victoria, financial counsellors are highly skilled professionals who work within a framework of social justice and a model of client empowerment. Financial counselling services are always free, independent, confidential and without conflict. If you are experiencing financial hardship, contact a financial counsellor via the National Debt Helpline on 1800 007 007 or http://ndh.org.au, or the Small Business Debt Helpline on 1800 413 828 or http://sbdh.org.au.