Don't Struggle With Debt…

We Can Help!

Find out how we can help to rebuild your finances and support you along the way.

Financial Assistance

Financial Assistance For Australians

Just Budget advantages

Just Budget cares for Australians in Debt

Just Budget is different

sort out your finances

We Put you back in the driver's Seat

You don’t need to spend your life worrying about how you will pay your bills. Even during challenging times, there is support out there.

Our debt management system is designed around you. Our friendly, expert team take the time to really understand your situation and quickly assess how we can help. We have over 30 years experience and expertise in debt management. It is common for creditors to pile pressure on you, but we can help. With our financial assistance, you can start to see a positive change and take control of your finances.

Financial assistance Australia
Financial assistance and times of need

Why Turn To Us For Debt Help?

Avoid Bankruptcy In Australia

Have you thought about declaring bankruptcy as a means of getting out of debt? Are you aware of the repercussions that declaring bankruptcy brings? Just Budget outlines some of these issues below which highlights why bankruptcy is not always the answer.

Declaring bankrutpcy Australia

What Our Clients Say

Just Budget Debt Relief Process

Free Just Budget Planner

Use our exclusive, confidential, comprehensive budget planner to track your income and expenses. We can use this to formulate your debt management plan.

We will call you

It's important for us to establish a relationship with you, so we can develop a plan moving forward. It costs nothing to talk to us about your money worries.

Debt Management Plan

With the information from speaking with you, and your budget planner, we can develop a custom plan to get you on the track to financial recovery.

We do all the hard work

You'll only have to pay us your regular agreed repayment. We will talk to creditors, and organise all the different payments for you, reducing interest and stress.

Financial Assistance FAQs

The first step to paying off debt with no money is to put together a realistic budget, factoring all your essential expenses such as rent/mortgage, household expenses like food and utility bills, car costs and education expenses. Our free, no-obligation budget planner takes you through all aspects of your income and expenses and determines a surplus or a deficit. This igves you a clearer picture of where your money goes, where you can save money and what you need to do so that your income matches your expenditure.

Say you’ve overspent on credit cards around Christmas. You can apply for hardship with your credit provider to alter the terms of your repayments. If that seems overwhelming to you, Just Budget have specialists in this area who can negotiate, mediate and resolve your debts. 

We formulate a debt management plan (DMP) to help you to manage your finances and pay your debts in a way that is affordable and simple. There is always a solution, even if you are struggling to see a way out.

You’ll also need to curb your spending on credit and in general to keep to your budget. Preventing further debt is a great place to start.

Once you have a budget in front of you, it’s easier to see where you can trim  down your expenses so that you aren’t going backwards.

If there is a way to increase your income, that’s also a very positive step. Taking on extra shifts, adding a side hustle like being an Uber driver can also help you make ends meet.

Our goal is to help you pay your debts at a rate you can afford, so you don’t incur late fees, additional interest or damage your credit history further.

If you don’t pay a debt (default) on a credit card, loan or even your monthly internet or utility payments, your account may be referred to a debt collection agency. Debts remaining unpaid and then referred to collections will hurt your credit score. You may find that the debt is taken to court and you may have a judgement recorded on your credit file, your wages could be garnished and you will definitely get harassing calls from debt collection agencies.

When your credit score is impaired in this way you may have to pay more interest on loans or finance, and you could miss out on certain jobs or even rental properties.

Our goal at Just Budget is to prevent or mitigate the effects of these events. We will work with you to get your debts into a payment arrangement of some sort and help you manage your finances in a simpler way. Basically we do all the hard work for you, such as negotiating with the creditors to lower or stop your interest, lower your payments, and manage the payments so you only have to make one repayment per payment period. You still need to pay the debt, but we help you get back in the driver’s seat.

There are a number of ways we can help. The primary problem facing Australians is multiple, overwhelming debts. that need to be paid at different times of the month making managing debt very confusing for some people.

Our most popular debt management solution is an informal debt arrangement, where we negotiate your debts, pay them on the due dates for you and you pay Just Budget one repayment per agreed frequency.

There is also a type of Agreement that many debt companies push people into, and in some cases it is the best option, but it is a last resort. That is a formal Part 9 Debt Agreement. It is highly legislated and has strict criteria and restrictions. It also has a profound impact on your credit report. As part of the bankruptcy act it should not be entered into lightly. If you are looking down the barrel of bankruptcy, it can prevent this, but if there are other solutions we will try to help you avoid this.

To find out about your options simply apply online within minutes or use our free online Budget Planner and get the ball rolling towards a more positive future with no more money worries.