Financial Hardship Support
If life has thrown you a challenge and you're struggling to manage your account, we're here — not to pressure you, but to find a real solution together.
What is Financial Hardship?
Financial hardship means you are temporarily unable to meet your repayment obligations due to circumstances outside your control. This is not a failure — it happens to millions of Australians every year.
Under Australian law and industry guidelines, you have the right to request hardship assistance from any debt collection agency, including Steadfast Recoveries. We are committed to responding to all hardship requests with empathy and fairness.
Common hardship situations include:
What Happens After You Apply?
We review your application
A dedicated team member will review your circumstances confidentially within 2 business days.
We contact you
We'll reach out via your preferred contact method to discuss your situation and explore options.
We find a solution
Options may include a reduced payment plan, temporary pause, or referral to a financial counsellor.
Independent Support Resources
You can also speak with free, independent financial counsellors who can help you understand your rights and options.
National Debt Helpline
Free, independent financial counselling for Australians in financial difficulty.
1800 007 007Visit WebsiteMoneySmart (ASIC)
Government-backed tools and guidance for managing debt and financial wellbeing.
Visit WebsiteAFCA — Australian Financial Complaints Authority
Lodge a complaint about a financial firm. Free and independent.
Visit WebsiteReady to Apply?
Fill out the form below and we'll be in touch within 2 business days. Alternatively, you can call us directly on +61 1300 123 456.
Apply for Hardship Assistance
All information is handled with strict confidentiality. There is no obligation to proceed after submitting this form.