{
  "id": "scenarios/struggling-with-debt-repayments",
  "title": "Struggling With Debt Repayments",
  "slug": "scenarios/struggling-with-debt-repayments",
  "description": "# Struggling With Debt Repayments\n\nYou 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 MyBud...",
  "category": "",
  "content": "# Struggling With Debt Repayments\n\nYou 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.\n\n## How you know you are here\n\n- You have multiple debts across credit cards, personal loans, or Buy Now Pay Later\n- You have missed one or more scheduled repayments\n- You are getting reminder calls, letters, or emails from creditors\n- Every payday you are already behind before you get paid\n- You have thought about bankruptcy or a debt agreement\n- You avoid opening your mail\n\nIf two or more of those apply, this is your scenario.\n\n## What MyBudget does when you are here\n\n### Step one: stop the bleeding\n\nYour Money Coach maps every debt, every repayment, and every commitment. You see the full picture on one page for the first time.\n\n### Step two: we talk to your creditors\n\nMyBudget 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.\n\n### Step three: a plan you can actually meet\n\nYour 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.\n\n### Step four: escalate only where needed\n\nFormal 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.\n\n## What to expect in your first appointment\n\nYour 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.\n\n## Related pages\n\n- [Debt Solutions](/services/debt-solutions/) service page\n- [Managing BNPL Debt](/services/managing-bnpl-debt/) if that is part of the mix\n- [Hardship and Crisis Support](/services/hardship-and-crisis-support/) if this happened suddenly\n- [Credit Card Debt](/scenarios/credit-card-debt/) if credit cards are the main problem\n- [Client Success Stories](/trust/client-success-stories/) to see how others got through\n\n## Ready to start\n\nBook a [free, obligation-free appointment](https://www.mybudget.com.au/enquire-online/). There is a way through.\n",
  "geography": {},
  "metadata": {},
  "publishedAt": "2026-07-16T14:26:55.015214+00:00Z",
  "tags": [],
  "workspaceId": "fd95e1d3-9064-4f51-89f5-3d0261fe556f",
  "_links": {
    "canonical": "https://mybudget.directory.norg.ai/scenarios/struggling-with-debt-repayments/"
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}