2. Debt Counselling is a consensual restructured repayment plan which serves
as a debt help mechanism for the consumer. It provides debt solutions for
the consumer’s current debt commitments. It is also sometimes referred to as
Debt Review, or a Debt Relief plan and is intended to free up enough
discretionary income to allow the consumer to return to a sustainable
lifestyle and, at the same time, get out of debt and settle all accounts in full
within a reasonable period.
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3. •A process for the restructuring of your debt into one
easy payment.
•A way to improve your credit score and clear your
credit record.
•A plan to increase the amount you have for day-to-day
living expenses.
•A solution to get you out of debt faster.
•A strategy to protect your assets such as cars and
houses.
•A return to complete financial wellness.
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4. When you are suffering from over-indebtedness.
A consumer is considered to be over-indebted if the money available after payment of
essential expenses is not enough to pay all other debts.
Herewith some indicators of over-indebtedness:-
A consumer is over-indebted when he/she cannot service all his/her debts in a timely
manner as agreed in the credit agreements. The following are indicators of over-indebtedness.
You use your credit card and overdraft facilities to pay debts and buy food and other
necessities.
You borrow money to pay other debts.
You skip payments on some accounts in order to pay others because you cannot keep up
You cannot pay your bills at the end of the month.
You receive letters and summonses from creditors and/or lawyers.
You are considering being placed under administration.
You have judgments granted against you.
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5. The debt advice and first
consultation are free and
are designed to bring debt
relief by reducing the very
next creditor payments.
Many financial planners
will acknowledge that the
mere consolidation of debt
only prolongs the time it
takes to get out of debt. One
of the main factors
influencing people to opt
for Debt counselling is that
Debt Counselling has the
ability to lower interest
rates, thereby providing
very real debt relief.
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6. Contact us :-
Tel: 021 554 0708
Fax: 086 686 9597
National Help Line: 0861 626 859
3 Cutter Close, Blouberg Sands,7441
 Debt Counselling
 Debt Help
 Business Rescue
 Consolidation Loan
 Bankruptcy