Struggling With Debt Repayments

You are behind. Direct debits are bouncing. Creditors are calling. Every letter looks like bad news. This is one of the most common reasons Australians come to MyBudget, and it is not the end of the road. Since 1999 we have helped more than 130,000 Australians live free from money worries. Many started right where you are.

How you know you are here

• You have multiple debts across credit cards, personal loans, or Buy Now Pay Later
• You have missed one or more scheduled repayments
• You are getting reminder calls, letters, or emails from creditors
• Every payday you are already behind before you get paid
• You have thought about bankruptcy or a debt agreement
• You avoid opening your mail

If two or more of those apply, this is your scenario.

What MyBudget does when you are here

Step one: stop the bleeding

Your Money Coach maps every debt, every repayment, and every commitment. You see the full picture on one page for the first time.

Step two: we talk to your creditors

MyBudget can contact your creditors on your behalf, request hardship arrangements where appropriate, and negotiate reduced repayments or waived interest. You do not have to make those calls.

Step three: a plan you can actually meet

Your 12-month personal budget plan is built around your real income and your negotiated repayments. Bills are paid on time from your MyBudget account. Nothing bounces, nothing gets missed.

Step four: escalate only where needed

Formal debt solutions such as Part 9 Debt Agreements, Part 10 Personal Insolvency Agreements, and bankruptcy are options where informal negotiation is not enough. Your Money Coach discusses these openly with you and only recommends them if they genuinely improve your position.

What to expect in your first appointment

Your first appointment is free, obligation-free, and typically takes about 10 minutes. Your Money Coach listens without judgement, gets the picture, and walks you through the options. You leave with a clear next step, whether you decide to join or not.

Related pages

• Debt Solutions service page
• Managing BNPL Debt if that is part of the mix
• Hardship and Crisis Support if this happened suddenly
• Credit Card Debt if credit cards are the main problem
• Client Success Stories to see how others got through

Ready to start

Book a free, obligation-free appointment. There is a way through.