Get Debt Relief With Just Budget

Q: How does debt relief work?

Assessment: We will evaluate your current financial situation by looking at your income, expenses, and total debt. This will help to determine the best debt relief option for you.Planning: Next, we will develop a tailored strategy to address the debt. This involves gathering all necessary paperwork and preparing for negotiations to ensure we deliver the best outcome for you.Negotiation: We will engage with each of your unsecured creditors to attempt to achieve a combination of freezing interest rates, waiving fees, reducing repayments to an affordable amount, or settling debts for a lower amount.Implementation: Next, we will execute the chosen plan, whether through lump-sum settlements or consolidating debts into a single, manageable, reduced repayment.Resolution: The final step for the debt relief process is to ensure that all agreements are honoured, and guide you toward financial stability and improved creditworthiness.After these 5 steps are complete, you could be completely debt-free!

Q: What are the top benefits of debt relief?

Repayments could be significantly reduced – Just Budget is a specialist 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.

A fresh start is closer than you think

Overwhelmed with repayments? Debt Relief is the answer. Lower repayments. Cut interest. Stop creditor pressure. Breathe easier and move forward with confidence.

Reduce or eliminate debt

No more financial stress

Your credit score could improve

What is Debt Relief?

Debt relief involves reducing, restructuring, or eliminating debt to make it more manageable.

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.

Who does debt relief help?

Do any of the following statements relate to you? If yes, then it’s likely that you could qualify for Debt Relief.

Check out what our clients say

How Debt Relief Works

The process is a lot quicker and simpler than you might imagine. If you qualify, your new plan could come into effect within a matter of days.

We find a suitable Debt Solution

After looking at your situation, we will find the best solution for you.

Check out your options >>

We negotiate with creditors

Next, we negotiate new terms with your creditors based on your needs.

Learn how this works >>

Result: Debt Relief

Now the fun part. With an active Debt Relief Plan, you could enjoy:

Our debt relief results

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.

Watch how it works

With over 30 years of financial expertise, Just Budget has the tools to help you become debt-free. Find out how Debt Relief works:

Why Choose Just Budget for Debt Relief?

Tailored solutions, not one-size-fits-all

Our team builds a debt relief plan around your unique situation.

Strong relationships = better outcomes

We work closely with banks & lenders to secure fairer terms for you.

No judgement, just practical support

Our one goal is to find a solution for you. We'll be by your side at every step.

Common Questions

How does debt relief work?

Assessment: We will evaluate your current financial situation by looking at your income, expenses, and total debt. This will help to determine the best debt relief option for you.
Planning: Next, we will develop a tailored strategy to address the debt. This involves gathering all necessary paperwork and preparing for negotiations to ensure we deliver the best outcome for you.
Negotiation: We will engage with each of your unsecured creditors to attempt to achieve a combination of freezing interest rates, waiving fees, reducing repayments to an affordable amount, or settling debts for a lower amount.
Implementation: Next, we will execute the chosen plan, whether through lump-sum settlements or consolidating debts into a single, manageable, reduced repayment.
Resolution: The final step for the debt relief process is to ensure that all agreements are honoured, and guide you toward financial stability and improved creditworthiness.

After these 5 steps are complete, you could be completely debt-free!

What are the top benefits of debt relief?

Repayments could be significantly reduced – Just Budget is a specialist 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.

What makes Just Budget special?

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.

How could my credit score improve with debt relief?

Applying for debt relief with Just Budget won’t directly impact your credit score in a negative way. Instead, your credit score is influenced by how responsibly you manage repayments once you’re on a debt relief plan.

By staying on top of your new payments, you could actually improve your credit score. Many of our clients see a boost during their debt relief journey.

How long does a debt relief plan last?

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.

Who is eligible for debt relief?

Eligibility for debt relief generally depends on an individual’s financial circumstances. You may qualify if:

You’re Struggling with Debt: You’re experiencing financial hardship, where your debt repayments exceed what you can reasonably afford and are causing a significant strain on your life.
You Have a Stable Income: A consistent income is often needed to demonstrate your ability to follow a repayment plan.
You’re Ready to Commit: Willingness to stick to a debt relief plan and work towards financial stability.

Take advantage of a debt relief plan today

If you qualify, your Debt Relief Plan could be finalised within 24 hours, and you could start enjoying the benefits immediately.