Getting Debt Under Control?

What A Relief!

When debt becomes impossible for you to manage on your own, we are here to help. We have proven systems to organise and reduce your debts. Free yourself with our Australian debt relief solutions.

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Debt Relief

Just Budget Debt Support Benefits

Get support To Relieve your Debt

What are the benefits of Debt Relief?

Debt is an easy trap to fall into but difficult to escape from. If you find yourself with multiple debts you struggle to afford on top of your other living expenses, life can become very stressful very fast.

Debt relief can literally be life-changing. Here are a few reasons why:

  • Repayments could be significantly reduced – Just Budget are specialists at negotiating with creditors. After looking at your average monthly income vs expenditure, we can find a compromise that you can afford.
  • Creditors will stop harassing you – As soon as we commence with debt relief, your creditors will be taken off your hands for good.
  • Debt relief can improve your credit score – A debt relief plan ties up your debts so they’re more manageable and affordable to help you never miss a repayment again. As a result, your credit score will rise over time. The debt relief process itself will also not adversely affect your credit score.
  • Your repayments will be easier to manage – All outstanding debts will be combined into a clear repayment plan. You only need to make repayments to Just Budget and we will distribute your payments to your creditors for you.
  • Your interest could be frozen – While the debt relief plan is being set up and also depending on how severe your financial situation is, your interest can be frozen for a period of time.
Just Budget Improve Credit Score

Will Debt Relief Affect My Credit Score?



Get you out of the pit of bad credit so you have a positive future

Debt Relief Gets You Back in Control of Your Money

Just Budget Debt Relief is a well respected and trusted company operating in the personal budgeting, debt relief and debt mediation industry. Our debt relief and management services can help you get back in control of your debts while you get back in control of your financial situation.

Our team is highly experienced in helping people based on their individual circumstances. We are able to work effectively with credit providers to reach improved, agreed payment terms and then manage these payments on behalf of our clients.

The Just Budget goal is to remove the intense pressure from our clients and help them take control of their finances, with less stress. With our support, we can provide solutions so that you don’t have to keep looking over your shoulder forever. Stop worrying about your money and get your creditors off your back.

Due to our industry contacts and close working relationships with credit providers, Just Budget are often able to deliver our clients a much more positive outcome, even if they had been unable to resolve the matter themselves in the past.

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Just Budget Debt Relief Process

Complete Application Form

Our quick & easy online application form helps us to understand your current circumstances and gives us an overview of which form of debt relief is suitable to you.

Authority To Act Form

So we can stop the harassing phone calls and letters of demand, you can authorise us to take over negotiations with your creditors.

We Negotiate on Your Behalf

Just Budget will contact your creditors and negotiate a lower balance, interest and repayments on your behalf.

We Manage your payments

Just Budget will manage all the payments to your creditors to ensure payments are on time, every time so you don’t need to worry.

Just Budget Frequently Asked Questions

Yes! This is a time when Australians need solid, sound and reliable advice and assistance in debt relief. Our compassionate and caring support team will continue throughout the entirety of this outbreak. During COVID19 lockdowns our staff were equipped with home office work stations. Each employee has had a work station fitted within their home, so we can work as effectively as normal if further lockdowns occur. Each work station is directly linked to our secure server based in our main office. All your data is safely stored on this secure private server. Currently our staff are back in the office utilising COVID-safe work practises.

The Just Budget team are available to support and help you through the current financial crisis facing many Australians. If you are concerned, or would like to keep up to date with COVID-19 benefits that you may be entitled to, then you can find reliable Federal Government situation updates here.

For financial payment assistance during the crisis, please visit the Federal Government’s dedicated COVID-19 support page.

Just Budget was founded by financial specialists who understand the complexities of debt management. We are here to offer debt relief strategies and financial assistance. Our experts can help you to regain control of your budget and as a result, achieve your financial goals, short and long term. Our products and services are geared towards looking for the best workable solution to your debt problems. Our aim is to help you to get out of debt, and if possible, avoid it altogether! We offer budgeting tools, financial assistance and a wide range of services. Consequently, we are well suited to help with almost any debt issue. Remember, many people struggle with debt and there are always solutions. Our financial support team can guide you through to becoming debt-free.

First and foremost, we are here for you. Our aim is to care for you and support you in any way that we can. Offering debt relief, Just Budget is able to provide unique budgeting plans and tailored assistance to suit each individual. If we can help you to keep on track with your money, while meeting your financial goals and reducing stress, then we know we have done a good job. Life is short and there are a lot of things to worry about, but we believe that money doesn’t need to be one of them. This is why we are here, to provide you with a pathway to avoid worrying about your finances again.

As well as helping with budgets and offering general financial assistance, we provide a wide range of services to suit you. Our Debt Management, Consolidation, Negotiation and Agreement services each help you to manage debt in different ways. On top of this, our Credit Support service provides you with the opportunity to wipe your slate clean and get your credit history repaired. Our business and personal loans can also provide you with the financial support you need.

Most people find themselves tied up in debt at some point in their life. The important thing is doing something about it. Whether it be simple budgeting or financial planning that you need, or more, we are here to help. If you need your money managing, then we can act as the wall between yourself and your creditors. We can consolidate your debts into one so you no longer owe multiple debts at random times of each month. You then pay us one single amount and we deal with the creditors. This way, you can be sure that your bills will be paid on time and you can organise your money more easily with just one payment. In addition, what’s best of all about our service is that in some cases, we can even negotiate your debt so that you end up paying less than previously!

Just Budget has specialists who can contact your creditors on your behalf to try to get a better deal for you. We can negotiate your interest rate, repayment amount or even reduce your overall debt. We can help you set up an informal debt arrangement with your creditors, at a rate you can afford, giving you room to breathe again.