Got a lump sum available? We may be able to negotiate your payout figure up to 50% of the value of the debt.
Debt resolution is a process where skilled negotiators work with creditors on your behalf to reduce or restructure your debt.
This approach focuses on resolving financial challenges by communicating effectively with creditors, using knowledge of legal rights and regulations, and addressing misunderstandings.
With over 30 years of financial expertise, Just Budget has the tools to help you become debt-free. Find out how Debt Resolution works:
This helps us understand what you can afford so you can get the best debt resolution 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 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.
The simplest way to stay on top of debt is to borrow only when it’s genuinely necessary and within your budget. Avoid signing up for loans with unfavourable rates or unclear terms, and remember to compare multiple lenders to find the best deal.
For a quick check on affordability, try our free online budget calculator. It takes just five minutes and provides a clear breakdown of your income versus expenses. If you find you’re spending more than you earn, cutting expenses is essential.
If that’s not enough, debt resolution may be the right fit for your situation.
At Just Budget, our priority is supporting you and offering guidance in any way we can. While we specialise in budgeting and debt management, we also provide a range of complementary services and can connect you with trusted resources when needed. Our focus areas include:
Personal & Business Finance Guidance
We don’t offer loans ourselves, but we can discuss potential finance options that suit your circumstances and connect you with reputable lenders or advisors.
Debt Consolidation & Reduction
We help you understand consolidation strategies, evaluate debt reduction methods, and negotiate repayment terms where possible.
Informal Debt Arrangements
Our team can work on your behalf to create informal agreements with creditors, helping to reduce stress and simplify repayments.
Enquiring with Just Budget won’t affect your credit score. If we ever need to perform a credit check, we’ll let you know beforehand.
Keep in mind that if you’re unable to meet your original finance agreement with a creditor, it may negatively impact your credit score. However, managing your new agreement responsibly under a debt resolution plan can help improve it over time.
For additional support, you can also look into credit repair, which is often quicker and more affordable than people expect. We recommend contacting Clean Credit for more information.
Just Budget operate Australia-wide. Unlike banks, we are not limited to location and you do not need to physically speak to our finance specialists face to face. Everything can be done online / over the phone.
We pride ourselves on our efficient service and you can receive financial solutions within days or even hours depending upon your situation, no matter what your location.
If you qualify, your Debt Resolution 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.