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.
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 involves reducing, restructuring, or eliminating debt to make it more manageable. We achieve this for our clients using proven methods such as negotiation, consolidation, and settlement.
At Just Budget, we handle everything—from negotiating with creditors to managing payments. All you need to do is make timely payments, and we’ll take care of the rest.
Do any of the following apply to you?
With over 30 years of financial expertise, Just Budget has the tools to help you become debt-free. Find out how Debt Relief works:
This helps us determine what you can afford, ensuring you achieve the best possible debt relief results.
This will be on your terms, based on what you can afford. You will only pay us moving forward.
With the new plan underway, you'll make easy, reduced payments to us until you're debt-free!
After these 5 steps are complete, you could be completely debt-free!
Just Budget is a trusted leader in personal budgeting, debt relief, and debt mediation. We specialise in helping individuals regain control of their finances by working closely with credit providers to secure improved payment terms and managing repayments on behalf of our clients.
Our experienced team tailors solutions to each client’s unique circumstances, aiming to ease financial pressure, reduce money-related stress, and improve overall financial well-being.
With our 30 years of financial expertise and strong industry connections, we often achieve positive outcomes that clients would likely have struggled to secure on their own.
By staying on top of your new, simplified and reduced repayments, you could actually improve your credit score—many of our clients see a boost during their debt relief journey.
However, missing repayments can harm your credit score, so it’s essential to use debt relief as an opportunity to rebuild your financial future while improving your credit health.
The duration of a debt relief plan typically depends on the amount of debt, the repayment terms agreed upon, and the individual’s financial situation.
Generally, a debt relief plan can last anywhere from 12 months to 5 years, with most plans falling within the 2-4 year range.
The exact timeframe is determined during the initial assessment and tailored to ensure repayments are manageable while addressing the debt effectively.
Eligibility for debt relief generally depends on an individual’s financial circumstances. You may qualify if:
If you qualify, your Debt Relief Plan could be finalised within 24 hours, and you could start enjoying the benefits immediately.
Just Budget Pty Ltd is a debt management specialist. Our primary goal is to remove the pressure from our clients and help Australians take back control of their finances.
With budgeting tools, debt reduction and debt mediation, we offer the full package to organise and reduce your debts.