Debt Counselling

Debt Counselling image
DEBT COUNSELLING AND REVIEW 
It's about taking the power back into your hands against your debts and keeping your creditors at bay. Your immediate debt relief from creditors when you meet all the required criterias.

CONSULTATION
  • Face to face by appointment
  • Telephonically;
  • Virtual Conference
  • WhatsApp; or
  • Email correspondence.

WHAT WE NEED TO START
  • Your identity number
  • Income (payslip) if married in community of property both spouses payslips
  • Prepare your household expenses before consultation with us (budget)

HOW TO START
  • Provide us with all your financial information;
  • We complete an assessment on you 
  • We review the assessment to determine if you are over-indebted or not;
  • We then contact all your Creditors and Credit Bureaus and all your account details and balances are provided to them to calculate what your repayment plan should be;
  • Your Creditors are provided with a repayment plan for their consideration;
  • If all your Creditors are in agreement we will then obtain a court order which details your new repayment plan of your debts.   Your creditors cannot act against you during time you are under debt review, unless you default on your payment plan; 
  • You will be required to make one payment for all your debts from your salary monthly until all your debts are fully paid; and
  • We apply to have you removed from Debt Review.

WE HELP WITH
  • Removal of late payment fees.
  • Stop Debt Collectors from calling you.
  • Lowered interest rate regardless of your credit score.
  • All your debts will be consolidated and you only make one monthly payment each month.
  • Insurance to cover your debts in case you are retrenched whilst you are under debt review.
  • Fully paid up debt in the end.

Get your free credit score - Be sure to use your phone number registered with the bureau for an accurate result - click here - https://i-docs.co.za/ci/OuxIZP1Cj8c2f  

In addition to the above, our debt counsellor is registered and certified by the National Credit Regulator (NCR), so you are assured that our debt counselling process is professional and of a highest quality.