{"id":516,"date":"2020-03-25T05:32:59","date_gmt":"2020-03-25T05:32:59","guid":{"rendered":"https:\/\/www.justbudget.com.au\/?page_id=516"},"modified":"2022-10-26T03:16:11","modified_gmt":"2022-10-26T03:16:11","slug":"debt-negotiation","status":"publish","type":"page","link":"https:\/\/www.justbudget.com.au\/understanding-debt-solutions\/debt-negotiation\/","title":{"rendered":"Debt Negotiators Can Reduce Your Debt"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"516\" class=\"elementor elementor-516\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8d7436a elementor-section-stretched elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"8d7436a\" 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-52959de\" data-id=\"52959de\" 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-0c2faf8 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c2faf8\" 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-0d88993\" data-id=\"0d88993\" 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-aff4155 text-left elementor-widget elementor-widget-tp-heading-title\" data-id=\"aff4155\" 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_style662cf8cd7b0ca style-1 \" ><div class=\"sub-style\" ><div class=\"head-title \" > <h2  class=\"heading-title   \"   data-hover=\"Our knowledge &amp; experience\">Our knowledge & experience<span class=\"title-s \">  <\/span><\/h2><\/div><div class=\"sub-heading\"><h2 class=\"heading-sub-title  \"> Gets Results! <\/h2><\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26fc740 elementor-widget elementor-widget-tp-adv-text-block\" data-id=\"26fc740\" 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>Having someone fight for your rights takes the weight off your shoulders. Armed with our knowledge of laws around debt, we fight to get you a better deal.<\/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-d367248 elementor-widget elementor-widget-text-editor\" data-id=\"d367248\" 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 class='vvm-wrapper'><div class='vvm-tabs'><a class='vvm_link_tab' ><div class='vvm-tab' data_link='?website=jb&#038;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&#038;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\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-fbfd11d\" data-id=\"fbfd11d\" 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-9e31aca elementor-widget elementor-widget-tp-image-factory\" data-id=\"9e31aca\" 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=\"plus662cf8cd871d5\" class=\"pt-plus-animated-image-wrapper      image-floating\" ><div class=\"animated-image-parallax  pt-plus-move-parallax \" ><div class=\"pt_plus_animated_image bg-image662cf8cd871d0 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=\"1000\" height=\"661\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/03\/caring-debt-support-2.png\" class=\"attachment-full size-full wp-image-2414\" alt=\"caring debt support for people in financial hardship\" srcset=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/03\/caring-debt-support-2.png 1000w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/03\/caring-debt-support-2-300x198.png 300w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/03\/caring-debt-support-2-768x508.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<div class=\"elementor-element elementor-element-233e1f9 elementor-widget elementor-widget-spacer\" data-id=\"233e1f9\" 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-2fdc302 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fdc302\" 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-859ef97\" data-id=\"859ef97\" 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-f4ce7eb elementor-widget elementor-widget-heading\" data-id=\"f4ce7eb\" 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\">Experts in Debt Negotiation<\/h1>\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-71ee674 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71ee674\" 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-b77c67e home\" data-id=\"b77c67e\" 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-abdd56f elementor-widget elementor-widget-menu-anchor\" data-id=\"abdd56f\" 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=\"enquire\" class=\"elementor-menu-anchor\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1877084 elementor-widget elementor-widget-image\" data-id=\"1877084\" 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-top-column elementor-element elementor-element-35e229a\" data-id=\"35e229a\" 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-8617fc4 elementor-widget elementor-widget-heading\" data-id=\"8617fc4\" 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\">Debt Negotiation Specialist Team<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1735de elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d1735de\" 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\">Struggling to keep on top of your debts?<\/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 keep receiving harassing debt collection calls from creditors?<\/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 struggling to make your income stretch to pay your debts?<\/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 your money worries keeping you up at night?<\/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 want to find a way out but just can't see how?<\/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 specialise in debt negotiation<\/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\">We can help you to find a way out when you feel trapped by your creditors<\/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-c3bd4f2 elementor-widget elementor-widget-heading\" data-id=\"c3bd4f2\" 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\">Just Budget Aren't Intimidated By Creditors<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c80ad3b elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2015 elementor-widget-button\" data-id=\"c80ad3b\" 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-52f21f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"52f21f5\" 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-8d4cae3\" data-id=\"8d4cae3\" 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-869c12b elementor-widget elementor-widget-heading\" data-id=\"869c12b\" 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 Are Debt Negotiators?<\/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-e25d108 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e25d108\" 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-36b546d\" data-id=\"36b546d\" 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-96b7ef9 elementor-widget elementor-widget-tp-image-factory\" data-id=\"96b7ef9\" 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=\"plus662cf8cd9b223\" class=\"pt-plus-animated-image-wrapper      image-tossing\" ><div class=\"animated-image-parallax  pt-plus-move-parallax \" ><div class=\"pt_plus_animated_image bg-image662cf8cd9b21d 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=\"807\" height=\"539\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/legislation-around-debt-1.jpg\" class=\"attachment-full size-full wp-image-1798\" alt=\"legislation around debt\" srcset=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/legislation-around-debt-1.jpg 807w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/legislation-around-debt-1-300x200.jpg 300w, https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2021\/02\/legislation-around-debt-1-768x513.jpg 768w\" sizes=\"(max-width: 807px) 100vw, 807px\" \/><\/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-011c93a\" data-id=\"011c93a\" 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-eb0f446 elementor-widget elementor-widget-heading\" data-id=\"eb0f446\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Just Budget Understands the Legislation<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a865593 elementor-widget elementor-widget-text-editor\" data-id=\"a865593\" 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 class=\"p1\">Once we have a solid understanding of your debt situation, it&#8217;s time to call in our specialist debt negotiators. Our expert team <a href=\"https:\/\/www.accc.gov.au\/consumers\/debt-debt-collection\/dealing-with-debt-collectors\" target=\"_blank\" rel=\"noopener\"><strong>understand the legislation<\/strong><\/a> surrounding credit and debt in Australia, especially with regards to debt negotiation. We know your rights. In addition to this, our team is experienced with debt negotiating with a wide range of credit providers.<\/p><p class=\"p1\">The debt negotiators at Just Budget have built strong relationships over the years. So, by using our legal knowledge combined with established relationships with these credit providers, we are able to effectively negotiate on behalf of our clients. Therefore, creating a greater understanding of their situation to creditors.<\/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-73d48fc elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-1984 elementor-widget-button\" data-id=\"73d48fc\" 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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-dd27b58 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dd27b58\" 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-74765b0\" data-id=\"74765b0\" 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-bedb2bf elementor-widget elementor-widget-heading\" data-id=\"bedb2bf\" 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\">Avoid Common Miscommunications with creditors<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d50884c elementor-widget elementor-widget-text-editor\" data-id=\"d50884c\" 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 class=\"p1\"><span style=\"letter-spacing: -0.27px;\">Frequently, there is miscommunication surrounding debt conflicts. This can mean people who are unable to pay back their debts may feel intimidated by their creditors. <\/span><span style=\"letter-spacing: -0.27px;\">This may lead to anger towards credit providers or even complete avoidance.<\/span><\/p><p class=\"p1\"><span style=\"letter-spacing: -0.27px;\">Credit providers may not believe a client if they cannot make payments. The creditor may feel that the borrower is inventing excuses. This misunderstanding can lead to defaults, high tension and even <\/span><a style=\"letter-spacing: -0.27px;\" href=\"https:\/\/www.justbudget.com.au\/facing-bankruptcy-think-just-budget\/\"><span style=\"font-weight: bold;\">bankruptcy<\/span><\/a><span style=\"letter-spacing: -0.27px;\">.<\/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-ed2becd elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-1984 elementor-widget-button\" data-id=\"ed2becd\" 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-34e8236\" data-id=\"34e8236\" 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-b001505 elementor-widget elementor-widget-tp-image-factory\" data-id=\"b001505\" 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=\"plus662cf8cda6360\" class=\"pt-plus-animated-image-wrapper      image-tossing\" ><div class=\"animated-image-parallax  pt-plus-move-parallax \" ><div class=\"pt_plus_animated_image bg-image662cf8cda6358 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=\"1039\" height=\"1183\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2020\/03\/debt-negotiating-australia.gif\" class=\"attachment-full size-full wp-image-658\" alt=\"Debt negotiation Australia\" \/><\/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-inner-section elementor-element elementor-element-b554289 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b554289\" 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-7c258ec\" data-id=\"7c258ec\" 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-8b9a53d elementor-hidden-phone elementor-widget elementor-widget-tp-image-factory\" data-id=\"8b9a53d\" 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=\"plus662cf8cda81fc\" class=\"pt-plus-animated-image-wrapper      image-tossing\" ><div class=\"animated-image-parallax  pt-plus-move-parallax \" ><div class=\"pt_plus_animated_image bg-image662cf8cda81f5 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=\"1595\" height=\"1350\" src=\"https:\/\/www.justbudget.com.au\/wp-content\/uploads\/2020\/03\/pay-your-bills-on-time.gif\" class=\"attachment-full size-full wp-image-660\" alt=\"Pay your bills on time\" \/><\/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-6427331\" data-id=\"6427331\" 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-889c50b elementor-widget elementor-widget-heading\" data-id=\"889c50b\" 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\">Debt Negotiation Can Reduce Your Overall Monthly Repayments<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-943756f elementor-widget elementor-widget-text-editor\" data-id=\"943756f\" 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>In many cases Just Budget can help to reduce monthly payments for up to six months while you get back in control. The important thing to remember here is that every situation is different and therefore, the needs of our clients will be different. For this reason, we tailor our service to ensure the best result for the client is met.<\/p><p>To find out more about this, please see our\u00a0<a href=\"\/understanding-debt-solutions\/debt-negotiation\/\"><strong>debt reduction<\/strong><\/a>\u00a0page.<\/p><p>At Just Budget, we know how to communicate your situation to your creditors and know the Australian legislation that protects your rights. Through effective debt negotiation, we can create real results that can help you get back in control of your debts.<\/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-0fa5f98 elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2015 elementor-widget-button\" data-id=\"0fa5f98\" 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-843887f elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"843887f\" 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-0b84482\" data-id=\"0b84482\" 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-b5ab467 elementor-widget elementor-widget-heading\" data-id=\"b5ab467\" 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\">Just Budget Debt Negotiation Process<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13582d5 elementor-widget elementor-widget-tp-process-steps\" data-id=\"13582d5\" 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=\"proste662cf8cdaf980\" 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-Calculator-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\"><a href=\"https:\/\/www.justbudget.com.au\/just-budget-calculator\/\"><h3 class=\"tp-pro-step-title\">Complete Budget Planner<\/h3><\/a> <div class=\"tp-pro-step-desc\"> <p>Our budget planner will help you establish what you can afford to pay your creditors based on your current circumstances.<\/p> <\/div><\/span><\/div><\/div><div class=\"tp-process-steps-wrapper elementor-repeater-item-8959713 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-Letter-Open 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\">Authority To Act Form<\/h3><\/a> <div class=\"tp-pro-step-desc\"> <p>So we can stop the harassing phone calls and letters of demand, you can authorise us to take over negotiations with your creditors.<\/p> <\/div><\/span><\/div><\/div><div class=\"tp-process-steps-wrapper elementor-repeater-item-17a6f18 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\">We Negotiate on Your Behalf<\/h3><\/a> <div class=\"tp-pro-step-desc\"> <p>The Just Budget debt negotiation team will contact your creditors and negotiate on the balance, interest and repayments on your behalf.<\/p> <\/div><\/span><\/div><\/div><div class=\"tp-process-steps-wrapper elementor-repeater-item-3afaf2c 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-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\">We Manage your payments<\/h3><\/a> <div class=\"tp-pro-step-desc\"> <p>Just Budget will manage all the payments to your creditors to ensure payments are on time, every time so you don\u2019t need to worry.<\/p> <\/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-43fdaff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43fdaff\" 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-4118b2b\" data-id=\"4118b2b\" 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-eed295d elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2463 elementor-widget-button\" data-id=\"eed295d\" 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-90bd547\" data-id=\"90bd547\" 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-50de545 elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2015 elementor-widget-button\" data-id=\"50de545\" 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-301a564 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"301a564\" 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-96afd8e\" data-id=\"96afd8e\" 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-ca8893b elementor-widget elementor-widget-heading\" data-id=\"ca8893b\" 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\">Just Budget Frequently Asked Questions<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1398ff0 elementor-widget elementor-widget-tp-accordion\" data-id=\"1398ff0\" data-element_type=\"widget\" data-widget_type=\"tp-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"theplus-accordion-wrapper elementor-accordion hover-style-2 \" id=\"accordion662cf8cdd715b\" data-accordion-id=\"accordion662cf8cdd715b\" data-connection=\"\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\"   role=\"tablist\">\r\n\t\t\t\t\t\t\t<div class=\"theplus-accordion-item\">\r\n\t\t\t\t\t<div id=\"elementor-tab-title-2051\" class=\"elementor-tab-title plus-accordion-header active-default text-left\" tabindex=\"2051\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-2051\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\"><i class=\"elementor-accordion-icon-closed iconsmind-Downward\"><\/i><i class=\"elementor-accordion-icon-opened iconsmind-Upward\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t <span style=\"width:100%\">What is debt negotiation?<\/span>\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-content-2051\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content active-default\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2051\">\r\n\t\t\t\t\t\t\t<div class=\"plus-content-editor\"><p>Just Budget has specialists who can contact your creditors on your behalf to try to get a better deal for you. We can negotiate your interest rate, repayment amount or even reduce your overall debt. We can help you set up an <a href=\"https:\/\/www.justbudget.com.au\/informal-debt-arrangements\/\" target=\"_blank\" rel=\"noopener\">informal debt arrangement<\/a> with your creditors, at a rate you can afford, giving you room to breathe again.<\/p><\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<div class=\"theplus-accordion-item\">\r\n\t\t\t\t\t<div id=\"elementor-tab-title-2052\" class=\"elementor-tab-title plus-accordion-header no text-left\" tabindex=\"2052\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-2052\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\"><i class=\"elementor-accordion-icon-closed iconsmind-Downward\"><\/i><i class=\"elementor-accordion-icon-opened iconsmind-Upward\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t <span style=\"width:100%\">When should I consider debt negotiation?<\/span>\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-content-2052\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content no\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2052\">\r\n\t\t\t\t\t\t\t<div class=\"plus-content-editor\"><p>Are you struggling or unable to make loan repayments each week? Are you regularly receiving harassing debt collection calls? Are you drowning in debt that you cannot pay?<\/p><p>This is the point at which you should consider debt negotiation. There is a good chance that your debt can be negotiated into a more manageable plan, either by reducing the debt, temporarily freezing the debt or changing the repayment terms to better suit you.<\/p><p>Before you do anything, take a few minutes to fill out our <a href=\"https:\/\/www.justbudget.com.au\/free-budget-planner\/\" target=\"_blank\" rel=\"noopener\">free online budget planner<\/a>. This will help us to understand your financial situation clearly so we can proceed with a clear picture and have a greater chance of successful negotiation.<\/p><p>Just Budget are experts when it comes to debt negotiation. With years of experience and having helped Aussies just like yourself, we can negotiate with creditors on your behalf so you and take back financial control.<\/p><\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<div class=\"theplus-accordion-item\">\r\n\t\t\t\t\t<div id=\"elementor-tab-title-2053\" class=\"elementor-tab-title plus-accordion-header no text-left\" tabindex=\"2053\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-2053\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\"><i class=\"elementor-accordion-icon-closed iconsmind-Downward\"><\/i><i class=\"elementor-accordion-icon-opened iconsmind-Upward\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t <span style=\"width:100%\">Who are Just Budget?<\/span>\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-content-2053\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content no\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2053\">\r\n\t\t\t\t\t\t\t<div class=\"plus-content-editor\"><p>Just Budget was founded by financial specialists who understand the complexities of debt management. We are here to offer debt relief strategies and financial assistance. Our experts can help you to regain control of your budget and as a result, achieve your financial goals, short and long term. Our products and services are geared towards looking for the best workable solution to your debt problems.<\/p><p>Our aim is to help you to get out of debt, and if possible, avoid it altogether! We offer <a href=\"\/budget-planner-10-useful-digital-budgeting-tools\/\" target=\"_blank\" rel=\"noopener\"><strong>budgeting tools<\/strong><\/a>, financial assistance and a wide range of services. Consequently, we are well suited to help with almost any debt issue. Remember, many people struggle with debt and there are always solutions. Our financial support team can guide you through to becoming debt-free.<\/p><\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<div class=\"theplus-accordion-item\">\r\n\t\t\t\t\t<div id=\"elementor-tab-title-2054\" class=\"elementor-tab-title plus-accordion-header no text-left\" tabindex=\"2054\" data-tab=\"4\" role=\"tab\" aria-controls=\"elementor-tab-content-2054\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\"><i class=\"elementor-accordion-icon-closed iconsmind-Downward\"><\/i><i class=\"elementor-accordion-icon-opened iconsmind-Upward\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t <span style=\"width:100%\">What does Just Budget do?<\/span>\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-content-2054\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content no\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2054\">\r\n\t\t\t\t\t\t\t<div class=\"plus-content-editor\"><p>First and foremost, we are here for you. Our aim is to care for you and support you in any way that we can. Offering <a href=\"https:\/\/www.justbudget.com.au\/about-our-debt-management-services\/\" target=\"_blank\" rel=\"noopener\">debt relief<\/a>, Just Budget is able to provide unique budgeting plans and tailored assistance to suit each individual.<\/p><p>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\u2019t 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.<\/p><p>As well as helping with <a href=\"https:\/\/www.justbudget.com.au\/free-budget-planner\/\" target=\"_blank\" rel=\"noopener\">budgets<\/a> and offering general <a href=\"https:\/\/www.justbudget.com.au\/contact\/\" target=\"_blank\" rel=\"noopener\">financial assistance<\/a>, we provide a wide range of services to suit you. Our <a href=\"https:\/\/www.justbudget.com.au\/why-use-our-debt-management-system\/debt-management\/\" target=\"_blank\" rel=\"noopener\">Debt Management<\/a>, <a href=\"https:\/\/www.justbudget.com.au\/debt-consolidation\/\" target=\"_blank\" rel=\"noopener\">Consolidation<\/a>, Negotiation and <a href=\"https:\/\/www.justbudget.com.au\/informal-debt-arrangements\/\" target=\"_blank\" rel=\"noopener\">Agreement<\/a> services each help you to manage debt in different ways.<\/p><p>On top of this, our <a href=\"https:\/\/www.justbudget.com.au\/business-loans\/\" target=\"_blank\" rel=\"noopener\">business<\/a> and <a href=\"https:\/\/www.justbudget.com.au\/personal-loans\/\" target=\"_blank\" rel=\"noopener\">personal<\/a> loans can provide you with the financial injection that you need.<\/p><\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\t\t<div class=\"theplus-accordion-item\">\r\n\t\t\t\t\t<div id=\"elementor-tab-title-2055\" class=\"elementor-tab-title plus-accordion-header no text-left\" tabindex=\"2055\" data-tab=\"5\" role=\"tab\" aria-controls=\"elementor-tab-content-2055\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\"><i class=\"elementor-accordion-icon-closed iconsmind-Downward\"><\/i><i class=\"elementor-accordion-icon-opened iconsmind-Upward\"><\/i><\/span>\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t <span style=\"width:100%\">How can you manage my money for me?<\/span>\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-content-2055\" class=\"elementor-tab-content elementor-clearfix plus-accordion-content no\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2055\">\r\n\t\t\t\t\t\t\t<div class=\"plus-content-editor\"><p>Most people find themselves tied up in debt at some point in their life. The important thing is doing something about it. Whether it be simple budgeting or financial planning that you need, or more, we are here to help. If you need your money managing, then we can act as the wall between yourself and your creditors.<\/p><p>We can consolidate your debts into one so you no longer owe multiple debts at random times of each month. You then pay us one single amount and we deal with the creditors.<\/p><p>This way, you can be sure that your bills will be paid on time and you can organise your money more easily with just one payment. In addition, what\u2019s best of all about our service is that in some cases, we can even negotiate your debt so that you end up paying less than previously!<\/p><\/div>\t\t\t\t\t\t\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t<\/div>\r\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-d0c4c81 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d0c4c81\" 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-16cada8\" data-id=\"16cada8\" 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-e688984 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e688984\" 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-efcbfe3\" data-id=\"efcbfe3\" 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-8c34090 elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2463 elementor-widget-button\" data-id=\"8c34090\" 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-270a528\" data-id=\"270a528\" 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-f6693eb elementor-align-center elementor-mobile-align-justify elementor-invisible elementor-widget elementor-widget-global elementor-global-2015 elementor-widget-button\" data-id=\"f6693eb\" 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-69c5a0f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"69c5a0f\" 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-ea89cf6\" data-id=\"ea89cf6\" 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-4393e18 elementor-widget elementor-widget-heading\" data-id=\"4393e18\" 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\">Debt Help From Our Blog<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c15da0d elementor-widget elementor-widget-tp-dynamic-listing\" data-id=\"c15da0d\" 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 post662cf8cdf4125  list-isotope  dynamic-listing-style-2 hover-image-style-1 layout-style-1  \"  data-layout-type=\"fitRows\"   data-id=\"post662cf8cdf4125\" data-style=\"style-2\"  data-enable-isotope=\"1\"><div id=\"post662cf8cdf4125\" class=\"tp-row post-inner-loop post662cf8cdf4125 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-638\" class=\"post-638 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-hardship category-debt-management tag-credit-repair tag-debt-negotiation tag-hardship-application\">\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\/what-is-a-hardship-application\/\">\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_1184389591.jpg\" alt=\"What is a Hardship Application?\">\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\/financial-hardship\/\">Financial 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Freedom<\/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>Our knowledge &#038; experience Gets Results! Having someone fight for your rights takes the weight off your shoulders. Armed with our knowledge of laws around debt, we fight to get you a better deal. Experts in Debt Negotiation Debt Negotiation Specialist Team Struggling to keep on top of your debts? 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