The National Hardship Register (NHR) was a joint initiative between the Australian Collectors and Debt Buyers Association Limited (ACDBA) and the community sector to address the serious issue of long-term and severe financial hardship experienced by a small number of vulnerable consumers.

The purpose of the industry funded NHR was to protect those consumers experiencing long-term and severe financial hardship from unnecessary debt collection activity. 

The NHR has acted as an efficient and cost-effective mechanism for financial counsellors and industry to avoid futile debt collection activity involving debts for this group of consumers however after 10 years of operation the NHR ceased accepting applications on 30 June 2023.

If you are currently in financial difficulty you can locate a financial counsellor to assist you through the National Debt Helpline - click here or alternatively call 1800 007 007 to talk to a phone financial counsellor from anywhere in Australia (minimum opening hours are 9.30 am – 4.30 pm Monday to Friday).