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debt resolutions

Debt Resolutions


        
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How Do Debt Resolutions Work?

What Are Debt Resolutions?

How can debt resolution work?

Our Approach To Debt Resolutions

There are many ways to approach debt resolutions. At Just Budget, debt resolutions can be defined as the overall plan to help you get back in control of your debts. There are a number of strategies and approaches that Just Budget uses to achieve the best possible outcome. It is therefore vital that we analyse our clients’ situation and assess what is the best way forward.

Talk to us about your situation

Debt resolutions start with our initial phone call with you. In this quick conversation we will ask you about your situation, your finance, your debts and your lifestyle. Don’t worry, there are no credit checks here, so calling us will NOT affect your credit file. After this quick conversation, we can work with your creditors and take all the pressure off you.  We can even manage all the payments for you so you wont need to worry about who to pay when.  We can typically reduce your repayments with your unsecured creditors for up to six months giving you time to get back in control of things.

Talk to Just Budget about debt resolution
Get back in control of your debt

Just Budget Work To Give You Back Control Of Your Debt

Our debt resolutions team will then work to stop intimidating calls and letters from creditors. We use Australian legislation to do this, which restricts stressful communication and will allow you peace of mind. At this point you have successfully made the first steps to getting back in control. You will have less stress and should be feeling confident about your financial future. With a strong debt resolutions plan as the foundation, we can then work with you and your creditors to ensure that you are able to get back in control of your finance and debts.

The next process in our proven Debt Management System is debt negotiation.

Just Budget Debt Resolution 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 enter negotiations with your creditors.

We Negotiate on Your Behalf

The Just Budget debt negotiation team will contact your creditors and try to find a debt settlement arrangement that suits all parties.

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 specialise in finding debt solutions. No matter what your circumstance, we will always aim to find a way to put you in a better position than before you came to us.

A great way to achieve this is through Debt Resolution. This is the process of negotiating with creditors to settle your debts or re-negotiate your debts to better suit your needs or current capabilities.

Also known as ‘Debt Settlement’, Debt Resolution involves agreeing upon a deal with creditors where they are paid off in full, at an amount lower than initially agreed upon. Following this, you will then be under a new contract where you make repayments under a manageable payment plan with Just Budget.

This makes your debts more manageable and affordable, meaning you can look forwards towards a debt-free future.

The best way to keep your debts under control is to only borrow when it is really necessary, and when you can afford it. Do not borrow above your means and never rush into a loan with unfavourable rates or unclear terms.

There are many lenders out there, so it is worth shopping around for the best rate before committing to a loan.

In order to ensure that you can afford your debts, it is worthwhile spending 5 minutes to complete our free online budget calculator. This provides you with a clear breakdown of your income vs expenses and helps you to understand where your money is going. If you are in a surplus then you will need to try to cut down your expenses, otherwise debt resolution could be a solution fitted to you.

First and foremost, we are here for you. Our aim is to care for you and support you in any way that we can.

As well as specialising in budgeting and managing debt, we also offer a wide range of other services, including:

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.

Enquiring with Just Budget does not impact your credit score. If at any point a credit check is needed to be carried out, then it will first be communicated to you.

Of course, if you are unable to fulfil your initial finance agreement with a creditor then your credit score will naturally take a hit. However if you are responsible with your new agreement under debt resolution then you can expect to see your credit score improve again.

You can also go through the process of Credit Repair, which is surprisingly inexpensive and fast. We recommend contacting Clean Credit to find out more about this.

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.