No credit impact | Free & Fast Assessment
No credit impact | Free & Fast Assessment
A flexible, non-formal option that combines debts into one affordable payment. It isn’t legally binding, so you have more room to adjust if circumstances change.
Support for personal, credit card, or business debt. We help you manage your loans with simplified payments, reduced fees, and around the clock support.
A formal, legally binding alternative to bankruptcy. Repay a reduced amount under one affordable plan, while creditors stop charging interest and chasing you.
Debt management is about making your debts easier to handle.
This means rolling multiple debts into one simple payment, negotiating fairer terms with creditors, and putting a structured Debt Relief Plan in place.
The goal is simple: to ease stress, bring back financial stability, and help you move forward with confidence.
At Just Budget, we tailor debt management solutions to your situation. Whether it’s reducing repayments, cutting fees, or helping you budget better, our team makes life affordable so you can focus on what matters.
Just Budget has the tools to help you become debt-free. Find out how our debt solutions work:
We’ve supported thousands of Aussies to reduce their debt payments and start their debt-free journey.
Check out the results below that 10 randomly selected clients were able to achieve:
The figures in this table are from genuine client outcomes. The selections were taken at random and are not intended to represent or guarantee that other clients will achieve the same or similar outcomes. Each result is dependent on a range of factors.
This helps us understand what you can afford so you can get the best debt management solution possible.
This will be on your terms, based on what you can afford. You will only pay us moving forward.
With the new debt relief plan underway, you'll make easy, reduced payments to us until you're debt-free!
The first thing to remember is don’t panic. It’s easy to get overwhelmed when you have debt collectors demanding sums of money you don’t have.
At Just Budget, we want to reassure you that there is always a way forward.
The first step is to understand where your money goes, how much you owe and how much you can afford to pay while still keeping a roof over your head. This is why our free budget planner is a great starting point. You can do this alone, or with a consultant on the phone.
Next, we can analyse this data to get a clear picture of what to do moving forward. This budget forms part of the proposal we send to creditors, enabling us to negotiate reasonable and fair payment terms, taking the stress off your shoulders.
Absolutely not. Our goal is to help you get back under control and to put you into the driver’s seat of your finances.
We take transparency very seriously, so while we will manage your debts on your behalf, you will still be kept in the know every step of the way.
Once your debt is being managed and in control, you can get back on with life.
The last thing we want to do is to impact your credit future in a negative way. Our informal debt arrangement is a way to manage debt without taking the drastic step of a Part 9.
We will never push you towards a Part 9 Agreement without exploring other options first.
While Part 9 Debt Agreements can be an excellent option for some people, it certainly is not the only solution available, and it is definitely not our first option for our clients.
We recommend taking advantage of our free online budget planner to give you an idea of your full financial situation.
Alternatively, you could call or apply with Just Budget from the start, and we’ll do it with you.
Next, you need to get your debts in order. Applying for debt support with Just Budget is the easiest, most time-efficient, and best-value solution. We will do everything for you and support you every step of the way.
However, if you would like to start out on your own, it’s a good idea to prioritise your debts, starting with your home and essential bills:
If these are getting the better of you, you can always call creditors and request help with financial hardship.
There is a National Debt Helpline with a step-by-step guide to assist with prioritising your debts.
If this is too much to deal with, Just Budget will support your debt management plan to get you back to financial freedom.
If you qualify, a debt management plan could be finalised within 24 hours, and you could start enjoying the benefits immediately.
