TY - Report AU - Nicola Brackertz PY - 2012 T1 - 'I wish I'd known sooner!' The impact of financial counselling on debt resolution and client well being PB - Salvation Army DO - https://doi.org/APO-31477 UR - https://apo.org.au/node/31477 AB - A report of recent national research commissioned by The Salvation Army and undertaken by Dr Nicola Brackertz of Swinburne Institute at Swinburne University, Melbourne. The research is part of The Salvation Army's Doorways Project, (an initiative supported by Westpac). Doorways provides a holistic, integrated and capacity building approach to delivery of  emergency relief services. ER -