Disaster Recovery

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Natural disasters are an inevitable and stressful challenge for most Victorian farmers and small business owners in rural areas. In the aftermath of flood, fire, storm or drought, RFCS can help you assess your situation and work with you to formulate a recovery plan.

Providing the right help at the right time:

A step by step approach

Whatever financial challenges you are facing, getting support and considering your options as soon as possible is crucial. That’s why we arrange a catch-up at the earliest opportunity. Our wait times are days, not weeks, and our first conversation is usually within 24 hours. In most instances, the counsellor you see first will remain working with you until all your issues are resolved.

Fast Appointments 

If you are having trouble meeting repayments or paying bills, a cash flow budget provides the info we need to assist you in negotiations with:

Insurers:
to ensure you receive any money owing to you in good time

Creditors:
to reassure them of your ability to pay and to extend credit if necessary

Banks:
to apply for new loans, extend existing ones, or prevent foreclosure

If you are having trouble meeting repayments or paying bills, a cash flow budget provides the info we need to assist you in negotiations with:

Insurers:


Creditors:


Banks:

Negotiations

We can assist you in developing a cash flow budget that will help you make informed decisions in the short, medium and long term.

This important tool will show what payments are due to come in, and which bills and repayments are due to go out. It is a critical element of a good business plan and will help instill confidence in your future. 

Cash Flow Budgeting

The last thing you want to set your mind to when you're trying to clean up and make sense of your situation is paperwork for badly needed funds.

We can help you identify any available assistance packages from Government or other sources, then help you pull together the required information and complete your application. Our vast experience means we're really good at it. 

Disaster Recovery Payments

Disasters can take a heavy toll on our mental health. The sense of loss and helplessness can be overwhelming, putting strain on our relationships and affecting our decision making capabilities.

Our wellbeing counsellors can help put strategies in place to prevent anxiety, depression or other related conditions for you, your family members and your workers. 

Wellbeing

to ensure you receive any money owing to you in good time

to reassure them of your ability to pay and to extend credit if necessary

to apply for new loans, extend existing ones, or prevent foreclosure