Who we are

“We use our advanced data science and adaptive AI technology, JustIQ, to help clients develop the right treatment strategies - boosting customer engagement and maximising portfolio returns. For clients seeking a managed solution, JustMS connects to a trusted and accredited network of debt recovery, litigation, and enforcement partners.

We believe customers behind on payments should be treated fairly and with understanding. Those who can pay should be encouraged to do so, while vulnerable customers or those in financial hardship deserve empathy and the right support.

These values are built into our solutions to ensure customers are treated fairly while helping clients protect their reputation and improve their financial returns.”

Our story

“Just was founded to create a modern approach to how clients that wish do things differently, manage problem debt - combining advanced decision frameworks developed through AI with seamless access to a trusted network of debt recovery, litigation, and enforcement partners.

We’ve built a team of industry-leading experts and invested heavily in proprietary technology solutions, positioning us to help clients maximise returns while delivering fair and responsible outcomes.

As a proud B Corp, we’re committed to balancing purpose and profit. We carefully consider the impact of every decision on our people, customers, partners, community, and the environment. We are part of a global movement using business as a force for good.”

What we do

“We offer flexible solutions to help clients resolve problem debt - whether through cutting-edge adaptive AI, a managed service, or a combination of both.

JustIQ, our decision science and adaptive AI technology, empowers clients to analyse portfolios, forecast ROI, choose the right treatment strategies, and engage customers more effectively - encouraging payments while identifying those who need additional support.

For clients seeking a managed solution, JustMS connects seamlessly to a trusted network of debt recovery, litigation, and enforcement partners, delivering fast results, strong financial returns, and full transparency throughout the customer journey.”

Who we help

"We support some of the largest utilities, financial services, legal firms, and government organisations in resolving all types of debt - whether consumer, residential, business, or commercial.

Our team brings deep industry expertise and works closely with clients to understand their challenges, offering decision frameworks and tailored treatment strategies. For clients seeking a managed service approach, JustMS provides seamless access to a trusted network of debt recovery, litigation, and enforcement partners.

We know that off-the-shelf solutions don’t work for every client and that data without decisions is of little to no value. That’s why we offer flexible options to fit client’s needs:

- JustIQ – Adaptive Technology for smarter debt strategies, decision frameworks, financial forecasting and actionable outcomes.

- JustMS – Managed access to our network of debt recovery, litigation and enforcement specialists allowing split strategy optimisation, recycle supplier strategies and a - one partner, total responsibility approach."