Having someone fight for your rights takes the weight off your shoulders. Armed with our knowledge of laws around debt, we fight to get you a better deal.
Debt negotiation means directly contacting your creditors to work out a better way to repay what you owe.
We negotiate with creditors to create affordable repayment plans, reduce interest rates and fees, and in some cases, eliminate debt entirely. Rather than waiting for debts to spiral out of control, we take action early to find solutions that work for both you and your creditors.
This approach keeps you in control of your financial situation and prevents small problems from becoming major crises.
Great guy, very easy and helpful to navigate through all the steps 👍
I spoke with Jacob and Casey and I have to say I am blown away from their customer service. If you see my reviews, you know I am an honest and sometimes brutally honest reviewer. I am genuinely impressed with how they have made me feel very comfortable in what feels like the toughest and most sensitive topic to discuss. I am very grateful and I already feel so much relief from my situation and like I can start to enjoy life again.
Keanue was an absolute lifesaver during my process! As a young adult, I was nervous about being judged for my financial situation, but Keanue was completely understanding and never made me feel anything but supported. He was professional, approachable, and took the time to explain everything clearly. I truly appreciate his judgment-free approach and genuine willingness to help. I couldn’t recommend him more!
All i can say is that these guys are amazing. They have lifted a huge weight off my shoulders. With just 2 phonecalls and within 1 week my debt repayments were consolidated to 1 repayment thats affordable. Cant thank you guys enough!! Huge thanks to Pat and Casey!!
I’ll like to thank Chloe @ lauren
I was in a stressful situation with my finances
Spoke with chloe help me with my situation
Lauren my case manager fantastic
Chloe @ Lauren
Thankyou
I recommend just budget for financial support just give them a call
Keanue was amazing and very helpful on the phone. Explained everything thoroughly and made me feel at ease. Give these guys a call if you need assistance as they are amazing!
Keanue and Tom were straightforward but kind, non judgmental, empathetic and were transparent up front on what your fees were which are very reasonable. Not to mention professional and efficient and had me on a payment plan that day. Thank you Keanue and Tom – you are both amazing.
The team at Just Budget have been incredible. Kind, empathic and understanding. Their support has been vital to ensure I was able to take the next steps in my financial journey without fear. I cannot thank them enough!
Keanue was so amazing at explaining everything I needed to which made me feel at ease as I was really sceptical about the whole thing thank you again Keanue for putting up with all the questions
Matt
Keanue from just budget was great and professional thank you for explaining everything clear to me I will recommend to others 😊
Keanue from Just Budget was so lovely to deal with he was brilliant so friendly , understanding and down to earth . Would definitely recommend him ! Thank you so much for helping me
Keanue was so lovely, very easy to talk to and very understanding and not judgemental at all. He deserves a pay rise!
Keanue was amazing. Highly recommend speaking with him if ever needed. Friendly and professional
Keanue did a great job very far very good at explaining what’s going on
Keanue was absolutely amazing. His non judgmental ways made me feel so comfortable to talk to him. He put me straight at ease and would recommend keanue to everybody.
Keanue was great to speak to, very clear with what the process is and showed compassion and understanding,
Keanue was a GEM and a half and I would recommend him to everyone. Was very straight forward and didn’t hide anything. Answered every single question I had and making sure we were on same page the whole time
I have been dealing with KABIR he is FANTASTIC!!! Supportive, understanding and listens to my concerns without any type of judging. Would definitely 💯 recommend Kabir 😊 thank you so much !!! No longer feel stressed and am much happier. Great 👍 job . From Val Clark
Chloe was lovely and helpful. She made the process easy and non judgemental and listened to make sure she could help in anyway, thank you.
Chloe was so friendly. I actually felt comfortable discussing my finances with her and never felt like I was being judged at all.
She also made things clear to understand which helped tremendously.
Thanks for getting back to me so quickly. I’m now close to finalizing everythingy happy dance has begun
I spoke to Chloe about the services available, very clear communication and helpful options to choose between. I’m glad I contacted them online, found a solution better than I was looking for.
Chloe was extremely understanding and showed compassion for my situation.
Very happy with this service
I had no idea what I was doing, worried id have to pay my debts separately which is why id been falling hard in debt. But she helped explained how they could support me was straightforward and well spoken very patient thankful for thw help .
Chloe was fantastic she explained to me things to expect and did not pressure me into anything thanku
Chloe was non-judgemental and extremely helpful, coming up with a plan that will suit me and what I can afford.
The purpose of debt negotiation is to reduce your debt, put you back in control, and guide you towards lasting debt relief.
Our clients typically see significant reductions in their total debt through waived fees, lowered interest rates, and negotiated settlements.
Negotiate smaller monthly payments that fit within your budget.
Stop interest from accumulating while you focus on paying down the principal.
Settle your debt for less than the full amount owed through a one-time payment.
We handle all creditor calls and negotiations so you don’t have to.
There are a few different ways debt negotiation can work, depending on your situation.
Debt Mediation
Debt Resolution
Debt Settlement
Hardship Variations
Debt mediation is a calm, structured way to restart conversations with your creditors. A neutral mediator sits between you and the lender, keeps things respectful, and helps both sides understand the facts, what’s owed, what you can afford, and what’s realistic.
We gather your numbers, set clear goals, then present a workable plan, often reduced repayments, fee or interest relief, and a pause on collections while talks are underway. Everything is documented so agreements are clear and easy to follow.
A tailored, structured plan to repay what you owe or agree a final settlement, so there’s a clear, legally-recognised path to closure. We map your budget, negotiate affordable terms, and lock them in writing.
You get one coordinated plan instead of scattered bills and calls. Payments are realistic, interest and fees are tackled, and progress is easy to track.
We negotiate with your creditor to accept a reduced lump sum to clear the debt completely. This works best when you can access funds upfront (savings, family help, or a refinance).
Our team validates balances, presents hardship evidence, and aims for the biggest discount the creditor will agree to, always confirmed in writing.
Short-term relief when money is tight, reduced repayments, a pause, or interest concessions agreed with your lender. It’s designed to help you stabilise without falling behind.
We prepare your hardship request, including budget and supporting evidence, and propose practical terms for a set period.
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:
| Client Name | Before Just Budget | New Monthly Payment | Monthly Savings | Reduction |
|---|---|---|---|---|
| Troy | $4,647.22 | $194.00 | $4,453.22 | 95.8% |
| Sally | $3,521.49 | $194.00 | $3,327.49 | 94.5% |
| Marcus | $5,723.78 | $374.00 | $5,349.78 | 93.5% |
| Rebecca | $5,536.16 | $394.00 | $5,142.16 | 92.9% |
| Andy | $1,931.73 | $434.00 | $1,497.73 | 77.5% |
| Michelle | $1,816.05 | $394.00 | $1,422.05 | 78.3% |
| Daniel | $1,075.59 | $365.00 | $710.59 | 66.1% |
| Karen | $782.62 | $294.00 | $488.62 | 62.4% |
| Steve | $2,190.37 | $1,194.00 | $996.37 | 45.5% |
| Nicole | $708.00 | $394.00 | $314.00 | 44.4% |
Before Budget
$4,647.22
New Payment
$194.00
Monthly Savings
$4,453.22
Before Budget
$3,521.49
New Payment
$194.00
Monthly Savings
$3,327.49
Before Budget
$5,723.78
New Payment
$374.00
Monthly Savings
$5,349.78
Before Budget
$5,536.16
New Payment
$394.00
Monthly Savings
$5,142.16
Before Budget
$1,931.73
New Payment
$434.00
Monthly Savings
$1,497.73
Before Budget
$1,816.05
New Payment
$394.00
Monthly Savings
$1,422.05
Before Budget
$1,075.59
New Payment
$365.00
Monthly Savings
$710.59
Before Budget
$782.62
New Payment
$294.00
Monthly Savings
$488.62
Before Budget
$2,190.37
New Payment
$1,194.00
Monthly Savings
$996.37
Before Budget
$708.00
New Payment
$394.00
Monthly Savings
$314.00
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.
With over 30 years of financial expertise, Just Budget has the tools to help you become debt-free. Find out how Debt Negotiation works:
This helps us understand what you can afford so you can get the best debt negotiation 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!
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.
Are you struggling or unable to make loan repayments each week? Are you regularly receiving harassing debt collection calls? Are you drowning in debt that you cannot pay?
This is the point at which you should consider debt negotiation. There is a good chance that your debt can be negotiated into a more manageable plan, either by reducing the debt, temporarily freezing the debt or changing the repayment terms to better suit you.
Before you do anything, take a few minutes to fill out our free online budget planner. This will help us to understand your financial situation clearly so we can proceed with a clear picture and have a greater chance of successful negotiation.
Just Budget is an expert debt negotiator. With years of experience and having helped Aussies just like yourself, we can negotiate with creditors on your behalf so you and take back financial control.
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.
Just Budget can 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.
Enquiring with Just Budget is a soft enquiry and will therefore have no impact on your credit report. The is also no obligation to proceed, once you enquire.
Just Budget specialist debt consultants are ready to come to the rescue, so you improve your financial situation in the long term, not to make it worse by struggling to pay everything at full interest with loads of fees and unrealistic payment schedules. Our team hand handpicked individuals who offer understanding and compassion, as well as a wealth of knowledge of debt legislation.
Enquiring with Just Budget is obligation-free and has absolutely no impact on your credit score.
If at any point in the process, there is a chance that your credit score might be adversely affected, we will let you know in advance. The Just Budget team takes values above all else, trust and transparency. We enjoy helping our customers to take control of their finances and get back to enjoying life.
Just Budget specialises in debt solutions designed to leave you better off than before.
One such approach is Debt Resolution. Often called ‘Debt Settlement.’ Here, we negotiate with creditors to settle or restructure your debts at a lower amount.
You then begin a manageable repayment plan with Just Budget, making your debts more affordable and paving the way for a debt-free future.
If you qualify, your Debt Negotiation Plan could be finalised within 24 hours, and you could start enjoying the benefits immediately.
