{"id":1951,"date":"2021-02-23T21:36:02","date_gmt":"2021-02-23T21:36:02","guid":{"rendered":"https:\/\/www.justbudget.com.au\/?page_id=1951"},"modified":"2023-12-19T00:29:12","modified_gmt":"2023-12-19T00:29:12","slug":"informal-debt-arrangements","status":"publish","type":"page","link":"https:\/\/www.justbudget.com.au\/informal-debt-arrangements\/","title":{"rendered":"Informal Debt Arrangements"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1951\" class=\"elementor elementor-1951\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43e0584 elementor-section-stretched elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"43e0584\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c000205\" data-id=\"c000205\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ea53575 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea53575\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-db8bd96\" data-id=\"db8bd96\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63dcbaa text-left elementor-widget elementor-widget-tp-heading-title\" data-id=\"63dcbaa\" data-element_type=\"widget\" data-widget_type=\"tp-heading-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"heading heading_style heading_style662d4e18178ed style-1 \" ><div class=\"sub-style\" ><div class=\"sub-heading\"><h2 class=\"heading-sub-title  \"> Simple &amp; Easy <\/h2><\/div><div class=\"head-title \" > <h2  class=\"heading-title   \"   data-hover=\"Flexible Debt Arrangements\">Flexible Debt Arrangements<span class=\"title-s \">  <\/span><\/h2><\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae357e1 elementor-widget elementor-widget-tp-adv-text-block\" data-id=\"ae357e1\" data-element_type=\"widget\" data-widget_type=\"tp-adv-text-block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"pt-plus-text-block-wrapper\" ><div class=\"text_block_parallax\"><div class=\"pt_plus_adv_text_block \" ><div class=\"text-content-block\"><p>Manage your debts, work within your budget and have the freedom to get back on with your life...no more harassing calls, no more juggling payments.<\/p><\/div><\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f09394c elementor-widget elementor-widget-shortcode\" data-id=\"f09394c\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='vvm-wrapper'><div class='vvm-tabs'><a class='vvm_link_tab' ><div class='vvm-tab' data_link='?website=jb&loan-purpose=10'><img decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/06\/debt-support.svg\" class=\"white-fill\" alt=\"\" \/>Debt Support<\/div><\/a><a class='vvm_link_tab' ><div class='vvm-tab' data_link='?website=jb&loan-purpose=8'><img decoding=\"async\" width=\"44\" height=\"51\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/10\/2.svg\" class=\"white-fill\" alt=\"\" \/>Debt Management<\/div><\/a><\/div><\/div><a id='vvm-form' href='#'><button  class='btn-default' href='#'>Start your application<\/button><\/a>\n<script>\n(function ($) {\n    $(document).ready(function () {\n\t\t\tvar host = document.location.host;\n\t\t\tvar clicks = 0;\n\n\t\t\t$('.vvm-tab').click(function() {\n\t\t\t\tif (clicks == 0){\n\t\t\t\t\t\/\/first click\n\t\t\t\t} else{\n\t\t\t\t\t var link = $(this).attr(\"data_link\"); \/\/ get link from the tab\n\t\t\t\t\t \n\t\t\t\t\t if($(this).hasClass('active')){\n\t\t\t\t\t\tvar full_link =  'https:\/\/'+host+'\/online-application\/'+link;\n\t\t\t\t\t   location.href = full_link;\/\/REDIRECT \n\t\t\t\t\t }\n\t\t\t\t}\n\t\t\t\t++clicks;\n\t\t\t});\t\n      \n\t\t\n\t\t\t\n                            \n         \n           \/\/HIDE IFRAME\n          $('.vvm-tab').click(function(e){\n\t\t\t \n            var link = $(this).attr(\"data_link\"); \/\/ get link from the tab\n            \n\t\t\t\n            $('.active').removeClass('active')\n            \/\/ add active class to clicked element\n            $(this).addClass('active');\t\n            $('#vvm-form').attr('href','https:\/\/'+host+'\/online-application\/'+link);\n            });\n            \n            \n            console.log($('#vvm-form').attr('href', 'https:\/\/'+host+'\/online-application\/'));\n            \n      \n          \n\n\n\t});\n})(jQuery);\n\n<\/script>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6389f10 elementor-widget elementor-widget-spacer\" data-id=\"6389f10\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b1a180b\" data-id=\"b1a180b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-083f25f elementor-widget elementor-widget-tp-image-factory\" data-id=\"083f25f\" data-element_type=\"widget\" data-widget_type=\"tp-image-factory.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"plus662d4e182e4ed\" class=\"pt-plus-animated-image-wrapper      image-tossing\" ><div class=\"animated-image-parallax  pt-plus-move-parallax \" ><div class=\"pt_plus_animated_image bg-image662d4e182e4e4 text-center  text--tabletcenter  \"  >\r\n\t\t\t\t\t\t\t<figure class=\"  parallax-move   \"   data-move_speed_x=\"30\"  data-move_speed_y=\"30\" >\r\n\t\t\t\t\t\t\t\t<div class=\"vc_single_image-wrapper   \"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"613\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/03\/informal-debt-arrangement-illustration.png\" class=\"attachment-full size-full wp-image-2677\" alt=\"Informal debt arrangement\" srcset=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/03\/informal-debt-arrangement-illustration.png 900w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/03\/informal-debt-arrangement-illustration-300x204.png 300w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/03\/informal-debt-arrangement-illustration-768x523.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\t<\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3f119b elementor-widget elementor-widget-spacer\" data-id=\"d3f119b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bf36618 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bf36618\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3536be8\" data-id=\"3536be8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b288a87 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b288a87\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5fecc9b\" data-id=\"5fecc9b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f69398 elementor-widget elementor-widget-image\" data-id=\"2f69398\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.google.com\/search?q=just+budget&#038;rlz=1C1GCEA_enAU975AU975&#038;oq=just+budget&#038;aqs=chrome.0.69i59l2j0i131i433i512l2j0i512j69i60l3.1313j0j7&#038;sourceid=chrome&#038;ie=UTF-8#lrd=0x6b12bba6954794bb:0xf2decffa63f1a56,1,,,,\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"580\" height=\"39\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2023\/04\/Just-Budget-5-Star-Google-Reviews-1024x68.png\" class=\"attachment-large size-large wp-image-5700\" alt=\"Just Budget 5 Star Google Reviews\" srcset=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2023\/04\/Just-Budget-5-Star-Google-Reviews-1024x68.png 1024w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2023\/04\/Just-Budget-5-Star-Google-Reviews-1536x101.png 1536w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2023\/04\/Just-Budget-5-Star-Google-Reviews-1200x79.png 1200w\" sizes=\"(max-width: 580px) 100vw, 580px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4e4c027\" data-id=\"4e4c027\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-997bb1f elementor-widget elementor-widget-image\" data-id=\"997bb1f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/au.trustpilot.com\/review\/www.justbudget.com.au\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"580\" height=\"60\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/03\/trustpilot-white-rect-1024x106.png\" class=\"attachment-large size-large wp-image-4644\" alt=\"\" srcset=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/03\/trustpilot-white-rect-1024x106.png 1024w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/03\/trustpilot-white-rect-300x31.png 300w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/03\/trustpilot-white-rect-768x79.png 768w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/03\/trustpilot-white-rect-1200x124.png 1200w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/03\/trustpilot-white-rect.png 1295w\" sizes=\"(max-width: 580px) 100vw, 580px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-539d51d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"539d51d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b3ffd8e\" data-id=\"b3ffd8e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2545cb8 elementor-widget elementor-widget-heading\" data-id=\"2545cb8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Informal Debt Arrangements<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4170e23 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4170e23\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b798236\" data-id=\"b798236\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19931ea elementor-widget elementor-widget-image\" data-id=\"19931ea\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"580\" height=\"580\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/07\/Square-image-listing-benefits-of-JB-1.jpg\" class=\"attachment-large size-large wp-image-4922\" alt=\"Just Budget Debt Support Benefits\" srcset=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/07\/Square-image-listing-benefits-of-JB-1.jpg 900w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/07\/Square-image-listing-benefits-of-JB-1-300x300.jpg 300w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/07\/Square-image-listing-benefits-of-JB-1-150x150.jpg 150w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/07\/Square-image-listing-benefits-of-JB-1-768x768.jpg 768w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2022\/07\/Square-image-listing-benefits-of-JB-1-700x700.jpg 700w\" sizes=\"(max-width: 580px) 100vw, 580px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1086c0d\" data-id=\"1086c0d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57ca444 elementor-widget elementor-widget-heading\" data-id=\"57ca444\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do informal Debt Arrangements work?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-215e850 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"215e850\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You won't have to deal with creditors or harassing phone calls<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Our goal is to reduce your interest and your overall balance<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Just Budget manages your payments for you<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You only have to worry about one regular repayment <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Interest, fees and money worries are minimised<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You pay off you debt at a rate you can afford and we make it easier.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad34e7b elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2015 elementor-widget-button\" data-id=\"ad34e7b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-pulse\" href=\"https:\/\/www.justbudget.com.au\/just-budget-calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-calendar-check\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Free budget tool<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-63e067e elementor-widget elementor-widget-menu-anchor\" data-id=\"63e067e\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"read-more\" class=\"elementor-menu-anchor\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-59ed970 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"59ed970\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7b8158e\" data-id=\"7b8158e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b70bd6 elementor-widget elementor-widget-heading\" data-id=\"4b70bd6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Don't go into A Part IX Debt Agreement Until You Read This<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6857ec2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6857ec2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b0860b3\" data-id=\"b0860b3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1f90f6 elementor-widget elementor-widget-heading\" data-id=\"d1f90f6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Flexible, low-risk Strategy To Pay Off Debt<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64a6413 elementor-widget elementor-widget-text-editor\" data-id=\"64a6413\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you\u2019re struggling to repay your debts on time or experiencing financial hardship, then informal debt arrangements are a form of debt relief that could be a great fit for you. It could help you to get back on your feet so you can repay your debts and get back on with your life.<\/p><p>Unlike a Part IX Debt Agreement, there are no minimum or maximum levels of debt to qualify. In addition, there are no time limits you need to worry about. Your informal payment arrangement could last as briefly or as long as needed, assuming your creditors are agreeable.<\/p><p>An informal payment arrangement can be used with a range of debts like secured debts (car loans, mortgages, etc.) as well as unsecured debt (credit cards, personal loans, and government debts).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdb59c8 elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2463 elementor-widget-button\" data-id=\"fdb59c8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-pulse\" href=\"https:\/\/www.justbudget.com.au\/online-application\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now!<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f8b3f43\" data-id=\"f8b3f43\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-beb2fdb elementor-widget elementor-widget-tp-image-factory\" data-id=\"beb2fdb\" data-element_type=\"widget\" data-widget_type=\"tp-image-factory.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"plus662d4e1852708\" class=\"pt-plus-animated-image-wrapper      image-tossing\" ><div class=\"animated-image-parallax  pt-plus-move-parallax \" ><div class=\"pt_plus_animated_image bg-image662d4e18526f8 text-  \"  >\r\n\t\t\t\t\t\t\t<figure class=\"  parallax-move   \"   data-move_speed_x=\"30\"  data-move_speed_y=\"30\" >\r\n\t\t\t\t\t\t\t\t<div class=\"vc_single_image-wrapper   \"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"583\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/overwhelming-debt.png\" class=\"attachment-full size-full wp-image-2229\" alt=\"alternative to part 9 debt agreement\" srcset=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/overwhelming-debt.png 1000w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/overwhelming-debt-300x175.png 300w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/overwhelming-debt-768x448.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\t<\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4d11525 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d11525\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a6c5942\" data-id=\"a6c5942\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b7425ae elementor-hidden-phone elementor-widget elementor-widget-tp-image-factory\" data-id=\"b7425ae\" data-element_type=\"widget\" data-widget_type=\"tp-image-factory.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"plus662d4e185506c\" class=\"pt-plus-animated-image-wrapper      image-tossing\" ><div class=\"animated-image-parallax  pt-plus-move-parallax \" ><div class=\"pt_plus_animated_image bg-image662d4e1855063 text-center  \"  >\r\n\t\t\t\t\t\t\t<figure class=\"  parallax-move   \"   data-move_speed_x=\"30\"  data-move_speed_y=\"30\" >\r\n\t\t\t\t\t\t\t\t<div class=\"vc_single_image-wrapper   \"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"651\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/part-ix-debt-agreements.png\" class=\"attachment-full size-full wp-image-2167\" alt=\"Part 9 debt agreements\" srcset=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/part-ix-debt-agreements.png 800w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/part-ix-debt-agreements-300x244.png 300w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/part-ix-debt-agreements-768x625.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\t<\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a9bd1ca\" data-id=\"a9bd1ca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-037ecd0 elementor-widget elementor-widget-heading\" data-id=\"037ecd0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is An Informal Debt Arrangement Right For You?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f333cab elementor-widget elementor-widget-text-editor\" data-id=\"f333cab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Are you a good fit for this type of arrangement?\u00a0<span style=\"letter-spacing: -0.27px; white-space: pre-wrap; color: var( --e-global-color-text );\">You still pay off you debt at a rate you can afford, but we make it a lot easier. <\/span><\/p><p><span style=\"font-size: inherit; text-align: inherit; color: var( --e-global-color-text ); letter-spacing: -0.015em;\">Ask yourself:<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7dc9ff elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f7dc9ff\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Have you faced a change in your financial situation? (unemployment, divorce, illness, etc.)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Do you have a large amount of debt you would like to repay quickly?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Are you in a situation where a formal solution might negatively impact your career?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Do your outgoings outweigh your income?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Are you tired of dealing with harassing debt collection calls?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70c01c5 elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2015 elementor-widget-button\" data-id=\"70c01c5\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-pulse\" href=\"https:\/\/www.justbudget.com.au\/just-budget-calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-calendar-check\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Free budget tool<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-accbe04 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"accbe04\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6227488\" data-id=\"6227488\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65e976d elementor-widget elementor-widget-heading\" data-id=\"65e976d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">settle Your Debts At A Pace That Suits You<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c750482 elementor-widget elementor-widget-text-editor\" data-id=\"c750482\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>An informal debt arrangement can freeze the interest on your debts and stop creditors from calling. Your informal payment arrangement doesn&#8217;t go on record or negatively affect your credit file. It\u2019s a positive way to settle debt with your creditors, ensuring that everyone is happy with the final outcome.<\/p><p>In addition, an informal payment arrangement gives you the time and freedom to settle your debts at a reasonable pace \u2013 often at a reduced final amount.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c306b50 elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2463 elementor-widget-button\" data-id=\"c306b50\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-pulse\" href=\"https:\/\/www.justbudget.com.au\/online-application\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now!<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4864512\" data-id=\"4864512\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1ab5f4 elementor-widget elementor-widget-tp-image-factory\" data-id=\"f1ab5f4\" data-element_type=\"widget\" data-widget_type=\"tp-image-factory.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"plus662d4e185d19c\" class=\"pt-plus-animated-image-wrapper      image-tossing\" ><div class=\"animated-image-parallax  pt-plus-move-parallax \" ><div class=\"pt_plus_animated_image bg-image662d4e185d192 text-center  \"  >\r\n\t\t\t\t\t\t\t<figure class=\"  parallax-move   \"   data-move_speed_x=\"30\"  data-move_speed_y=\"30\" >\r\n\t\t\t\t\t\t\t\t<div class=\"vc_single_image-wrapper   \"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"718\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/debt-support.png\" class=\"attachment-full size-full wp-image-1981\" alt=\"Caring debt support for Australians\" srcset=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/debt-support.png 800w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/debt-support-300x269.png 300w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/debt-support-768x689.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\t<\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-13bbc48 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13bbc48\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0314a6a\" data-id=\"0314a6a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75a324c elementor-widget elementor-widget-heading\" data-id=\"75a324c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Our Clients Say<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcad1b9 elementor-widget elementor-widget-text-editor\" data-id=\"bcad1b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div data-src=\"https:\/\/cdn.trustindex.io\/loader.js?1272dbb14e0c227fdb56bcf0836\"><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f6247ac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f6247ac\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73f5cad\" data-id=\"73f5cad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55c1eb0 elementor-widget elementor-widget-heading\" data-id=\"55c1eb0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Informal Debt Arrangement Process<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-938dfab elementor-widget elementor-widget-text-editor\" data-id=\"938dfab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThe process of entering an informal debt arrangement is simple:\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d03aff elementor-widget elementor-widget-tp-process-steps\" data-id=\"9d03aff\" data-element_type=\"widget\" data-widget_type=\"tp-process-steps.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"proste662d4e18688a4\" class=\"tp-process-steps-widget style_2     \"  data-connection=\"\" data-eventtype=\"\"><div class=\"tp-process-steps-wrapper elementor-repeater-item-4fd979e elementor-ps-content-0 \" data-index=\"0\"><div class=\"tp-ps-left-imt tp-ps-special-bg\"><span class=\"tp-ps-icon-img tp-ps-special-bg\"><i class=\" iconsmind-Calendar-4 tp-icon-fi\" ><\/i><\/span><div class=\"tp-ps-dc number_normal\"><\/div> <\/div><div class=\"tp-ps-right-content\"><span class=\"tp-ps-content\"><a href=\"https:\/\/www.justbudget.com.au\/contact\/\"><h3 class=\"tp-pro-step-title\">Budget Planner<\/h3><\/a> <div class=\"tp-pro-step-desc\"> <div>Work out your budget in detail to determine your income vs your expenditure. This helps highlights your ability to pay your creditors.<\/div> <\/div><\/span><\/div><\/div><div class=\"tp-process-steps-wrapper elementor-repeater-item-17a6f18 elementor-ps-content-1 \" data-index=\"1\"><div class=\"tp-ps-left-imt tp-ps-special-bg\"><span class=\"tp-ps-icon-img tp-ps-special-bg\"><i class=\" iconsmind-Receipt-3 tp-icon-fi\" ><\/i><\/span><div class=\"tp-ps-dc number_normal\"><\/div> <\/div><div class=\"tp-ps-right-content\"><span class=\"tp-ps-content\"><h3 class=\"tp-pro-step-title\">Debt arrangement proposal<\/h3> <div class=\"tp-pro-step-desc\"> <div>We will work alongside you to write out your personally tailored informal debt arrangement proposal, detailing what you can afford to pay.<\/div> <\/div><\/span><\/div><\/div><div class=\"tp-process-steps-wrapper elementor-repeater-item-3afaf2c elementor-ps-content-2 \" data-index=\"2\"><div class=\"tp-ps-left-imt tp-ps-special-bg\"><span class=\"tp-ps-icon-img tp-ps-special-bg\"><i class=\" iconsmind-Conference tp-icon-fi\" ><\/i><\/span><div class=\"tp-ps-dc number_normal\"><\/div> <\/div><div class=\"tp-ps-right-content\"><span class=\"tp-ps-content\"><a href=\"https:\/\/www.justbudget.com.au\/just-budget-calculator\/\"><h3 class=\"tp-pro-step-title\">Debt Negotiation<\/h3><\/a> <div class=\"tp-pro-step-desc\"> <div>We negotiate with creditors on your behalf to find terms that you both agree upon. We are specialists in liaising with creditors, be confident you in safe hands.<\/div> <\/div><\/span><\/div><\/div><div class=\"tp-process-steps-wrapper elementor-repeater-item-9154f9d elementor-ps-content-3 \" data-index=\"3\"><div class=\"tp-ps-left-imt tp-ps-special-bg\"><span class=\"tp-ps-icon-img tp-ps-special-bg\"><i class=\" iconsmind-Happy tp-icon-fi\" ><\/i><\/span><div class=\"tp-ps-dc number_normal\"><\/div> <\/div><div class=\"tp-ps-right-content\"><span class=\"tp-ps-content\"><h3 class=\"tp-pro-step-title\">Stress-Free Future<\/h3> <div class=\"tp-pro-step-desc\"> <div>If your creditors accept the proposal then you can expect a stress-free process with your current debts reduced or frozen to a point that is manageable.<\/div> <\/div><\/span><\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-070128e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"070128e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8766622\" data-id=\"8766622\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c46067d elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2463 elementor-widget-button\" data-id=\"c46067d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-pulse\" href=\"https:\/\/www.justbudget.com.au\/online-application\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now!<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-713ae0c\" data-id=\"713ae0c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a697d23 elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2015 elementor-widget-button\" data-id=\"a697d23\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-pulse\" href=\"https:\/\/www.justbudget.com.au\/just-budget-calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-calendar-check\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Free budget tool<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-525c79f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"525c79f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30b8600\" data-id=\"30b8600\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3aaa56 elementor-widget elementor-widget-heading\" data-id=\"d3aaa56\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Benefits of Informal Debt Arrangements<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7843d2c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7843d2c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-047d661\" data-id=\"047d661\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d8c628 elementor-invisible elementor-widget elementor-widget-tp-info-box\" data-id=\"3d8c628\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"tp-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"info_box662d4e187c7e4\" class=\"pt_plus_info_box hover_normal    info_box662d4e187c7e4 info-box-style_3 animate-general   \"  data-id=\"info_box662d4e187c7e4\"  data-animate-type=\"transition.fadeIn\" data-animate-delay=\"50\" data-animate-offset=\"85%\"   data-connection=\"\" data-eventtype=\"\" ><div class=\"post-inner-loop \"><a href=\"#\"><div class=\"info-box-inner content_hover_effect content_hover_grow tp-info-fbc\"   ><div class=\"info-box-bg-box     \" ><div class=\"text-center\"><div class=\"service-center  \"><div class=\"info-icon-content\"><div class=\"service-icon-wrap\"><i class=\" iconsmind-Smartphone service-icon icon_shine_show icon-rounded\"><\/i><\/div><\/div><h3 class=\"service-title \"> No more harassing calls <\/h3><div class=\"service-border\"> <\/div><\/div><\/div><div class=\"infobox-overlay-color \"><\/div><\/div><\/div><\/a><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-dfdc923\" data-id=\"dfdc923\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76568d0 elementor-invisible elementor-widget elementor-widget-tp-info-box\" data-id=\"76568d0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"tp-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"info_box662d4e187f19a\" class=\"pt_plus_info_box hover_normal    info_box662d4e187f19a info-box-style_3 animate-general   \"  data-id=\"info_box662d4e187f19a\"  data-animate-type=\"transition.fadeIn\" data-animate-delay=\"50\" data-animate-offset=\"85%\"   data-connection=\"\" data-eventtype=\"\" ><div class=\"post-inner-loop \"><a href=\"#\"><div class=\"info-box-inner content_hover_effect content_hover_grow tp-info-fbc\"   ><div class=\"info-box-bg-box     \" ><div class=\"text-center\"><div class=\"service-center  \"><div class=\"info-icon-content\"><div class=\"service-icon-wrap\"><i class=\" iconsmind-Gaugage-2 service-icon icon_shine_show icon-rounded\"><\/i><\/div><\/div><h3 class=\"service-title \"> No impact on credit rating <\/h3><div class=\"service-border\"> <\/div><\/div><\/div><div class=\"infobox-overlay-color \"><\/div><\/div><\/div><\/a><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-771b9c2\" data-id=\"771b9c2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-edb3051 elementor-invisible elementor-widget elementor-widget-tp-info-box\" data-id=\"edb3051\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"tp-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"info_box662d4e1881a61\" class=\"pt_plus_info_box hover_normal    info_box662d4e1881a61 info-box-style_3 animate-general   \"  data-id=\"info_box662d4e1881a61\"  data-animate-type=\"transition.fadeIn\" data-animate-delay=\"50\" data-animate-offset=\"85%\"   data-connection=\"\" data-eventtype=\"\" ><div class=\"post-inner-loop \"><a href=\"#\"><div class=\"info-box-inner content_hover_effect content_hover_grow tp-info-fbc\"   ><div class=\"info-box-bg-box     \" ><div class=\"text-center\"><div class=\"service-center  \"><div class=\"info-icon-content\"><div class=\"service-icon-wrap\"><i class=\" iconsmind-Bar-Chart4 service-icon icon_shine_show icon-rounded\"><\/i><\/div><\/div><h3 class=\"service-title \"> Reduced \/ frozen debts <\/h3><div class=\"service-border\"> <\/div><\/div><\/div><div class=\"infobox-overlay-color \"><\/div><\/div><\/div><\/a><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-2ff3d82\" data-id=\"2ff3d82\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36ec064 elementor-invisible elementor-widget elementor-widget-tp-info-box\" data-id=\"36ec064\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"tp-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"info_box662d4e1884365\" class=\"pt_plus_info_box hover_normal    info_box662d4e1884365 info-box-style_3 animate-general   \"  data-id=\"info_box662d4e1884365\"  data-animate-type=\"transition.fadeIn\" data-animate-delay=\"50\" data-animate-offset=\"85%\"   data-connection=\"\" data-eventtype=\"\" ><div class=\"post-inner-loop \"><a href=\"#\"><div class=\"info-box-inner content_hover_effect content_hover_grow tp-info-fbc\"   ><div class=\"info-box-bg-box     \" ><div class=\"text-center\"><div class=\"service-center  \"><div class=\"info-icon-content\"><div class=\"service-icon-wrap\"><i class=\" iconsmind-Money-Bag service-icon icon_shine_show icon-rounded\"><\/i><\/div><\/div><h3 class=\"service-title \"> Better budget management <\/h3><div class=\"service-border\"> <\/div><\/div><\/div><div class=\"infobox-overlay-color \"><\/div><\/div><\/div><\/a><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-2bb7de6\" data-id=\"2bb7de6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78af76c elementor-invisible elementor-widget elementor-widget-tp-info-box\" data-id=\"78af76c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"tp-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"info_box662d4e1886a1f\" class=\"pt_plus_info_box hover_normal    info_box662d4e1886a1f info-box-style_3 animate-general   \"  data-id=\"info_box662d4e1886a1f\"  data-animate-type=\"transition.fadeIn\" data-animate-delay=\"50\" data-animate-offset=\"85%\"   data-connection=\"\" data-eventtype=\"\" ><div class=\"post-inner-loop \"><a href=\"\/about\/\"><div class=\"info-box-inner content_hover_effect content_hover_grow tp-info-fbc\"   ><div class=\"info-box-bg-box     \" ><div class=\"text-center\"><div class=\"service-center  \"><div class=\"info-icon-content\"><div class=\"service-icon-wrap\"><i class=\" iconsmind-Consulting service-icon icon_shine_show icon-rounded\"><\/i><\/div><\/div><h3 class=\"service-title \"> Ongoing Just Budget Support <\/h3><div class=\"service-border\"> <\/div><\/div><\/div><div class=\"infobox-overlay-color \"><\/div><\/div><\/div><\/a><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bb122e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb122e9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3ac9adc\" data-id=\"3ac9adc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05327f5 elementor-widget elementor-widget-tp-image-factory\" data-id=\"05327f5\" data-element_type=\"widget\" data-widget_type=\"tp-image-factory.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"plus662d4e1888a6a\" class=\"pt-plus-animated-image-wrapper      image-tossing\" ><div class=\"animated-image-parallax  pt-plus-move-parallax \" ><div class=\"pt_plus_animated_image bg-image662d4e1888a61 text-center  \"  >\r\n\t\t\t\t\t\t\t<figure class=\"  parallax-move   \"   data-move_speed_x=\"30\"  data-move_speed_y=\"30\" >\r\n\t\t\t\t\t\t\t\t<div class=\"vc_single_image-wrapper   \"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"718\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/debt-support.png\" class=\"attachment-full size-full wp-image-1981\" alt=\"Caring debt support for Australians\" srcset=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/debt-support.png 800w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/debt-support-300x269.png 300w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/debt-support-768x689.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/figure>\r\n\t\t\t\t\t\t<\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1066c89\" data-id=\"1066c89\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-93a40ce elementor-widget elementor-widget-text-editor\" data-id=\"93a40ce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Debt management means you aren&#8217;t alone. We will manage your debts for you through personal budgeting and a careful debt management plan (DMP). You don&#8217;t have to juggle repayments.<\/p><p>An informal debt arrangement\u00a0 is designed to help people, just like you, to reduce and get rid of, existing and future debts.\u00a0<\/p><p><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: inherit; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: -0.015em; text-align: inherit;\">\u00a0Just Budget works with you to manage debts with no obligation, expertly tailoring a budget and debt repayment plan to suit your life. We aim to take off the pressure of your current debt stress, so you can get back on with living.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0dd9e35 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0dd9e35\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-afdc98d\" data-id=\"afdc98d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b8b8d5f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b8b8d5f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-11dc1e7\" data-id=\"11dc1e7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c79a9ed elementor-invisible elementor-widget elementor-widget-tp-info-box\" data-id=\"c79a9ed\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"tp-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"info_box662d4e188dec6\" class=\"pt_plus_info_box hover_normal    info_box662d4e188dec6 info-box-style_3 animate-general   \"  data-id=\"info_box662d4e188dec6\"  data-animate-type=\"transition.fadeIn\" data-animate-delay=\"50\" data-animate-offset=\"85%\"   data-connection=\"\" data-eventtype=\"\" ><div class=\"post-inner-loop \"><a href=\"https:\/\/www.justbudget.com.au\/online-application\/\"><div class=\"info-box-inner content_hover_effect content_hover_grow tp-info-fbc\"   ><div class=\"info-box-bg-box     \" ><div class=\"text-center\"><div class=\"service-center  \"><div class=\"info-icon-content\"><div class=\"service-icon-wrap\"><i class=\" iconsmind-Financial service-icon icon_shine_show icon-rounded\"><\/i><\/div><\/div><h3 class=\"service-title \"> No more Juggling <\/h3><div class=\"service-border\"> <\/div><div class=\"service-desc\"> <p>Are multiple repayments driving you crazy? Are you struggling to remember who to pay and when?<\/p> <\/div><div class=\"pt-plus-button-wrapper\"><div class=\"button_parallax\"><div class=\"ts-button\"><div class=\"pt_plus_button btn662d4e188de6e button-style-8 \"><div class=\"animted-content-inner\"><div class=\"button-link-wrap\">Apply today<i class=\"btn-icon button-after fa fa-chevron-right\"><\/i><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"infobox-overlay-color \"><\/div><\/div><\/div><\/a><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2e4505f\" data-id=\"2e4505f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b35e12b elementor-invisible elementor-widget elementor-widget-tp-info-box\" data-id=\"b35e12b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"tp-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"info_box662d4e189061a\" class=\"pt_plus_info_box hover_normal    info_box662d4e189061a info-box-style_3 animate-general   \"  data-id=\"info_box662d4e189061a\"  data-animate-type=\"transition.fadeIn\" data-animate-delay=\"50\" data-animate-offset=\"85%\"   data-connection=\"\" data-eventtype=\"\" ><div class=\"post-inner-loop \"><a href=\"https:\/\/www.justbudget.com.au\/online-application\/\"><div class=\"info-box-inner content_hover_effect content_hover_grow tp-info-fbc\"   ><div class=\"info-box-bg-box     \" ><div class=\"text-center\"><div class=\"service-center  \"><div class=\"info-icon-content\"><div class=\"service-icon-wrap\"><i class=\" iconsmind-Pilates-2 service-icon icon_shine_show icon-rounded\"><\/i><\/div><\/div><h3 class=\"service-title \"> Flexibility <\/h3><div class=\"service-border\"> <\/div><div class=\"service-desc\"> <p>With informal debt arrangements we negotiate payment terms with creditors that are flexible and easier to manage.<\/p> <\/div><div class=\"pt-plus-button-wrapper\"><div class=\"button_parallax\"><div class=\"ts-button\"><div class=\"pt_plus_button btn662d4e18905d9 button-style-8 \"><div class=\"animted-content-inner\"><div class=\"button-link-wrap\">Apply today<i class=\"btn-icon button-after fa fa-chevron-right\"><\/i><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"infobox-overlay-color \"><\/div><\/div><\/div><\/a><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-50a5319\" data-id=\"50a5319\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e79d100 elementor-invisible elementor-widget elementor-widget-tp-info-box\" data-id=\"e79d100\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"tp-info-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"info_box662d4e1893080\" class=\"pt_plus_info_box hover_normal    info_box662d4e1893080 info-box-style_3 animate-general   \"  data-id=\"info_box662d4e1893080\"  data-animate-type=\"transition.fadeIn\" data-animate-delay=\"50\" data-animate-offset=\"85%\"   data-connection=\"\" data-eventtype=\"\" ><div class=\"post-inner-loop \"><a href=\"https:\/\/www.justbudget.com.au\/online-application\/\"><div class=\"info-box-inner content_hover_effect content_hover_grow tp-info-fbc\"   ><div class=\"info-box-bg-box     \" ><div class=\"text-center\"><div class=\"service-center  \"><div class=\"info-icon-content\"><div class=\"service-icon-wrap\"><i class=\" iconsmind-Yes service-icon icon_shine_show icon-rounded\"><\/i><\/div><\/div><h3 class=\"service-title \"> Better for Your Credit <\/h3><div class=\"service-border\"> <\/div><div class=\"service-desc\"> <p>If you miss a repayment this can impact your credit. With informal debt arrangements, we make sure everyone gets paid on time.<\/p> <\/div><div class=\"pt-plus-button-wrapper\"><div class=\"button_parallax\"><div class=\"ts-button\"><div class=\"pt_plus_button btn662d4e189303b button-style-8 \"><div class=\"animted-content-inner\"><div class=\"button-link-wrap\">Apply today<i class=\"btn-icon button-after fa fa-chevron-right\"><\/i><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"infobox-overlay-color \"><\/div><\/div><\/div><\/a><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ad7644a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad7644a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-51f9a68\" data-id=\"51f9a68\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59dfb21 elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2463 elementor-widget-button\" data-id=\"59dfb21\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-pulse\" href=\"https:\/\/www.justbudget.com.au\/online-application\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now!<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1634865\" data-id=\"1634865\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0bd61ee elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2015 elementor-widget-button\" data-id=\"0bd61ee\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;zoomIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-pulse\" href=\"https:\/\/www.justbudget.com.au\/just-budget-calculator\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-calendar-check\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Free budget tool<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9096c7b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9096c7b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-611fef3\" data-id=\"611fef3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd9d281 elementor-widget elementor-widget-heading\" data-id=\"fd9d281\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Informal Arrangements Vs Part IX Debt Agreements<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bc7a384 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc7a384\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8649df8\" data-id=\"8649df8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b2177a elementor-invisible elementor-widget elementor-widget-price-table\" data-id=\"4b2177a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"price-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-price-table\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__header\">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-price-table__heading\">\n\t\t\t\t\t\tInformal Debt agreement\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-price-table__price\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-price-table__integer-part\">\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<ul class=\"elementor-price-table__features-list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-5b6f638\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tInterest can be frozen or total outstanding debt can be reduced.\u200b\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-2bdd4e7\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tWe can help negotiate your current credit terms\u200b\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-650e7a2\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tWon't impact your credit rating as much as a Part IX Debt Agreement\u200b\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-38a78a8\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tWe manage your multiple debt repayments\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-34e37e3\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tYou won't have to deal with creditor letters or phone calls\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-681e820\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tInformal debt arrangements do not appear on the public register and are less likely to appear on your credit file\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-147cbf4\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tYou are not required to declare your assets\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-9ba9360\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tYour debts will still need to be repaid and terms of agreement adhered to\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-e514163\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tYou are required to stick to your budget under the terms of the arrangement\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__footer\">\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-price-table__button elementor-button elementor-size-md elementor-animation-pulse-grow\" href=\"https:\/\/www.justbudget.com.au\/online-application\/\">\n\t\t\t\t\t\t\tEnquire now\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-price-table__additional_info\">\n\t\t\t\t\t\t\tEnquire with us about an informal debt arrangement.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"elementor-price-table__ribbon\">\n\t\t\t\t<div class=\"elementor-price-table__ribbon-inner\">\n\t\t\t\t\tMost <\/br>Flexible\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-084c595\" data-id=\"084c595\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0812cf9 elementor-invisible elementor-widget elementor-widget-price-table\" data-id=\"0812cf9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"price-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-price-table\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__header\">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-price-table__heading\">\n\t\t\t\t\t\tPart IX Debt Agreements\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-price-table__price\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-price-table__integer-part\">\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<ul class=\"elementor-price-table__features-list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-5b6f638\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tInterest and charges on your unsecured debts are frozen\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-2bdd4e7\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tYour creditors will not be able to pursue any further court action, given you keep to the arrangement terms\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-650e7a2\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tA debt agreement is a formal way of settling most debts without going bankrupt\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-38a78a8\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tThe agreement binds most unsecured creditors\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-34e37e3\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tYou won't have to deal with creditor letters or phone calls\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-681e820\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tYour name is on the National Personal Insolvency Index for five years or more.\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-147cbf4\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tThere are income, asset and debt thresholds.\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-9ba9360\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tIf your creditors don't accept your proposal, any one creditor can use your proposal in court to make you bankrupt\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"elementor-repeater-item-e514163\">\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__feature-inner\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span >\n\t\t\t\t\t\t\t\t\t\tYou are required to stick to your budget under the terms of the arrangement\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementor-price-table__footer\">\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-price-table__button elementor-button elementor-size-md elementor-animation-pulse-grow\" href=\"https:\/\/www.debtfix.com.au\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tApply with Debt Fix\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-price-table__additional_info\">\n\t\t\t\t\t\t\tSpeak with Debt Fix Pty Ltd about a Part IX Debt Agreement.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cbca42b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cbca42b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e6cf40\" data-id=\"7e6cf40\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49acfff elementor-widget elementor-widget-heading\" data-id=\"49acfff\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Learn About Informal Debt Arrangements<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1956b8e elementor-widget elementor-widget-tp-dynamic-listing\" data-id=\"1956b8e\" data-element_type=\"widget\" data-widget_type=\"tp-dynamic-listing.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"pt-plus-dynamic-listing\" class=\"dynamic-listing post662d4e18ea9b7  list-isotope  dynamic-listing-style-2 hover-image-style-1 layout-style-1  \"  data-layout-type=\"fitRows\"   data-id=\"post662d4e18ea9b7\" data-style=\"style-2\"  data-enable-isotope=\"1\"><div id=\"post662d4e18ea9b7\" class=\"tp-row post-inner-loop post662d4e18ea9b7 text-center  \"><div class=\"grid-item metro-item  tp-col-lg-3 tp-col-md-6 tp-col-sm-12 tp-col-12  \"><article id=\"post-633\" class=\"post-633 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-management category-financial-hardship tag-budgeting tag-debt-agreement tag-debt-agreements\">\n\t<div class=\"blog-list-content\">\n\t\t\t\t\t\t<div class=\"post-content-image\">\n\t\t\t<a href=\"https:\/\/www.justbudget.com.au\/how-is-an-informal-debt-agreement-budget-set-up\/\">\n\t\t\t\t\t<div class=\"blog-featured-image \">\n\t<span class=\"thumb-wrap\">\n\t\t<img decoding=\"async\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2020\/03\/shutterstock_576771979.jpg\" alt=\"How is an Informal Debt Agreement Budget Set Up?\">\t<\/span>\n\t<\/div>\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"post-content-bottom\">\n\t\t\t\t\t\t\t<div class=\"post-metro-category-top\">\n\t\t\t\t\t<div class=\"post-category-list style-1\">\t\r\n\t<span><a href=\"https:\/\/www.justbudget.com.au\/category\/debt-management\/\">Debt Management<\/a><\/span><\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"post-metro-content\">\n\t\t\t\t<h3 class=\"post-title\">\r\n\t<a href=\"https:\/\/www.justbudget.com.au\/how-is-an-informal-debt-agreement-budget-set-up\/\" class=\"normal\">How is an Informal Debt Agreement Budget Set Up?<\/a>\r\n<\/h3>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n<\/article>\n<\/div><div class=\"grid-item metro-item  tp-col-lg-3 tp-col-md-6 tp-col-sm-12 tp-col-12  \"><article id=\"post-641\" class=\"post-641 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-management category-financial-hardship tag-debt-agreement tag-debt-agreements tag-informal-debt-agreement tag-informal-debt-agreement-part-9\">\n\t<div class=\"blog-list-content\">\n\t\t\t\t\t\t<div class=\"post-content-image\">\n\t\t\t<a href=\"https:\/\/www.justbudget.com.au\/how-is-an-informal-debt-agreement-different-to-a-part-9-debt-agreement\/\">\n\t\t\t\t\t<div class=\"blog-featured-image \">\n\t<span class=\"thumb-wrap\">\n\t\t<img decoding=\"async\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2020\/01\/informal-debt-agreement.jpg\" alt=\"How Is An Informal Debt Arrangement Different to a Part 9 Debt Agreement?\">\t<\/span>\n\t<\/div>\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"post-content-bottom\">\n\t\t\t\t\t\t\t<div class=\"post-metro-category-top\">\n\t\t\t\t\t<div class=\"post-category-list style-1\">\t\r\n\t<span><a href=\"https:\/\/www.justbudget.com.au\/category\/debt-management\/\">Debt Management<\/a><\/span><\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"post-metro-content\">\n\t\t\t\t<h3 class=\"post-title\">\r\n\t<a href=\"https:\/\/www.justbudget.com.au\/how-is-an-informal-debt-agreement-different-to-a-part-9-debt-agreement\/\" class=\"normal\">How Is An Informal Debt Arrangement Different to a Part 9 Debt Agreement?<\/a>\r\n<\/h3>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n<\/article>\n<\/div><div class=\"grid-item metro-item  tp-col-lg-3 tp-col-md-6 tp-col-sm-12 tp-col-12  \"><article id=\"post-372\" class=\"post-372 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-management category-creditors category-financial-hardship tag-bankruptcy tag-creditors tag-debt-agreement\">\n\t<div class=\"blog-list-content\">\n\t\t\t\t\t\t<div class=\"post-content-image\">\n\t\t\t<a href=\"https:\/\/www.justbudget.com.au\/debt-agreement-better-than-bankruptcy\/\">\n\t\t\t\t\t<div class=\"blog-featured-image \">\n\t<span class=\"thumb-wrap\">\n\t\t<img decoding=\"async\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2020\/03\/shutterstock_1207103632-1-1.jpg\" alt=\"Why a Debt Agreement is Better Than Bankruptcy\">\t<\/span>\n\t<\/div>\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"post-content-bottom\">\n\t\t\t\t\t\t\t<div class=\"post-metro-category-top\">\n\t\t\t\t\t<div class=\"post-category-list style-1\">\t\r\n\t<span><a href=\"https:\/\/www.justbudget.com.au\/category\/debt-management\/\">Debt Management<\/a><\/span><\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"post-metro-content\">\n\t\t\t\t<h3 class=\"post-title\">\r\n\t<a href=\"https:\/\/www.justbudget.com.au\/debt-agreement-better-than-bankruptcy\/\" class=\"normal\">Why a Debt Agreement is Better Than Bankruptcy<\/a>\r\n<\/h3>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n<\/article>\n<\/div><div class=\"grid-item metro-item  tp-col-lg-3 tp-col-md-6 tp-col-sm-12 tp-col-12  \"><article id=\"post-355\" class=\"post-355 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-management category-financial-counselling category-financial-hardship tag-credit-cards tag-debt-agreement tag-debt-consolidation tag-debt-reduction\">\n\t<div class=\"blog-list-content\">\n\t\t\t\t\t\t<div class=\"post-content-image\">\n\t\t\t<a href=\"https:\/\/www.justbudget.com.au\/cut-high-interest-cards-for-debt-relief\/\">\n\t\t\t\t\t<div class=\"blog-featured-image \">\n\t<span class=\"thumb-wrap\">\n\t\t<img decoding=\"async\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2020\/03\/shutterstock_367136834-1.jpg\" alt=\"Cut High Interest Credit Cards for Immediate Debt Relief\">\t<\/span>\n\t<\/div>\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"post-content-bottom\">\n\t\t\t\t\t\t\t<div class=\"post-metro-category-top\">\n\t\t\t\t\t<div class=\"post-category-list style-1\">\t\r\n\t<span><a href=\"https:\/\/www.justbudget.com.au\/category\/debt-management\/\">Debt Management<\/a><\/span><\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"post-metro-content\">\n\t\t\t\t<h3 class=\"post-title\">\r\n\t<a href=\"https:\/\/www.justbudget.com.au\/cut-high-interest-cards-for-debt-relief\/\" class=\"normal\">Cut High Interest Credit Cards for Immediate Debt Relief<\/a>\r\n<\/h3>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n<\/article>\n<\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Simple &amp; Easy Flexible Debt Arrangements Manage your debts, work within your budget and have the freedom to get back on with your life&#8230;no more harassing calls, no more juggling payments. Informal Debt Arrangements How do informal Debt Arrangements work? You won&#8217;t have to deal with creditors or harassing phone calls Our goal is to [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.justbudget.com.au\/wp-json\/wp\/v2\/pages\/1951"}],"collection":[{"href":"https:\/\/www.justbudget.com.au\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.justbudget.com.au\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.justbudget.com.au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.justbudget.com.au\/wp-json\/wp\/v2\/comments?post=1951"}],"version-history":[{"count":10,"href":"https:\/\/www.justbudget.com.au\/wp-json\/wp\/v2\/pages\/1951\/revisions"}],"predecessor-version":[{"id":7122,"href":"https:\/\/www.justbudget.com.au\/wp-json\/wp\/v2\/pages\/1951\/revisions\/7122"}],"wp:attachment":[{"href":"https:\/\/www.justbudget.com.au\/wp-json\/wp\/v2\/media?parent=1951"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}