Our knowledge & experience

Gets Results!

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.

caring debt support for people in financial hardship

Experts in Debt Negotiation

Just Budget Debt Support Benefits

Debt Negotiation Specialist Team

Just Budget Aren't Intimidated By Creditors

What Are Debt Negotiators?

legislation around debt

Just Budget Understands the Legislation

Once we have a solid understanding of your debt situation, it’s time to call in our specialist debt negotiators. Our expert team understand the legislation surrounding credit and debt in Australia, especially with regards to debt negotiation. We know your rights. In addition to this, our team is experienced with debt negotiating with a wide range of credit providers.

The debt negotiators at Just Budget have built strong relationships over the years. So, by using our legal knowledge combined with established relationships with these credit providers, we are able to effectively negotiate on behalf of our clients. Therefore, creating a greater understanding of their situation to creditors.

Avoid Common Miscommunications with creditors

Frequently, there is miscommunication surrounding debt conflicts. This can mean people who are unable to pay back their debts may feel intimidated by their creditors. This may lead to anger towards credit providers or even complete avoidance.

Credit providers may not believe a client if they cannot make payments. The creditor may feel that the borrower is inventing excuses. This misunderstanding can lead to defaults, high tension and even bankruptcy.

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Pay your bills on time

Debt Negotiation Can Reduce Your Overall Monthly Repayments

In many cases Just Budget can help to reduce monthly payments for up to six months while you get back in control. The important thing to remember here is that every situation is different and therefore, the needs of our clients will be different. For this reason, we tailor our service to ensure the best result for the client is met.

To find out more about this, please see our debt reduction page.

At Just Budget, we know how to communicate your situation to your creditors and know the Australian legislation that protects your rights. Through effective debt negotiation, we can create real results that can help you get back in control of your debts.

Just Budget Debt Negotiation Process

Complete Budget Planner

Our budget planner will help you establish what you can afford to pay your creditors based on your current circumstances.

Authority To Act Form

So we can stop the harassing phone calls and letters of demand, you can authorise us to take over negotiations with your creditors.

We Negotiate on Your Behalf

The Just Budget debt negotiation team will contact your creditors and negotiate on the balance, interest and repayments on your behalf.

We Manage your payments

Just Budget will manage all the payments to your creditors to ensure payments are on time, every time so you don’t need to worry.

Just Budget Frequently Asked Questions

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 are experts when it comes to debt negotiation. 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. Offering debt relief, Just Budget is able to 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. Life is short and there are a lot of things to worry about, but we believe that money doesn’t need to be one of them. This is why we are here, to provide you with a pathway to avoid worrying about your finances again.

As well as helping with budgets and offering general financial assistance, we provide a wide range of services to suit you. Our Debt Management, Consolidation, Negotiation and Agreement services each help you to manage debt in different ways.

On top of this, our business and personal loans can provide you with the financial injection that you need.

Most people find themselves tied up in debt at some point in their life. The important thing is doing something about it. Whether it be simple budgeting or financial planning that you need, or more, we are here to help. If you need your money managing, then we can act as the wall between yourself and your creditors.

We can consolidate your debts into one so you no longer owe multiple debts at random times of each month. You then pay us one single amount and we deal with the creditors.

This way, you can be sure that your bills will be paid on time and you can organise your money more easily with just one payment. In addition, what’s best of all about our service is that in some cases, we can even negotiate your debt so that you end up paying less than previously!