Debt counselling, also known as debt review, was introduced by the National Credit Act in 2007.
The process helps you to make your monthly payments towards your debt affordable but also enable you to afford your daily living cost and gain financial stability. We structure an affordable repayment plan and negotiate with credit providers for better interest rates.
We will assess your financial situation and take into consideration income, monthly expenses (living costs) and your monthly creditor installments and then determine if you are over indebted. If considered over indebted we will construct a payment plan. We will then negotiate with creditors and we will obtain a court order.
Payment to creditors will be distributed monthly through a Payment Distribution Agent (PDA). This is part of National Credit Act. Distribution will be made on a pro rata basis and as per negotiated payment plan.
Once all debt has been cleared, you will be issued with a clearance letter and your credit record will be cleared.
One affordable payment plan
Lower interest rate on your debt
Your assets are protected
We negotiate with your creditors
Improve your credit score
Live in partners will be considered a joint application
1 Contact us for a free debt assessment. We'll call you back for at no charge.
2 Our friendly debt advisors will be in touch and recommend the best way forward.
3 We'll commit to walking the debt-free journey with you.