Heads Above Water

For people living in Australia

Heads Above Water

When a bill is drowning you, we may clear it at no cost to you.

Nothing is assured. Every decision is ours alone. Apply only if you’re in real financial strain.

Ask for helpHow this works

The process

Send your name, the dollar figure, and a copy of the bill. That’s all we need to start.

Open only to Australian residents.

When we pay, funds go straight to the company you owe— never into your pocket.

An application is not an approval. We choose case by case.

Please don’t apply unless you truly need it.

Common questions

Will I have to repay anything?
Never. This isn’t a loan.
Do you interview people or ask for proof of hardship?
No interviews. No questionnaires.
Can the money be paid into my account?
No. When we help, we settle the account with the company you owe — not with you.
What kinds of bills can I send?
Most household bills are fine. Please only apply when you’re truly stuck.
Can people overseas apply?
No. This service is limited to people who live in Australia.
Will you pass my details on?
No. We don’t sell or trade your information.

Why we exist

Life gets expensive. We’re here to take one bill off someone’s shoulders when we can.