What is debt review?

The National Credit Act of 2005 provides for a declaration to be made by a debt counsellor on whether a consumer is able to satisfy all his credit agreements timeously based on:

• Financial means and / or
• Readiness to pay his agreements regularly

Consultation with an NCR registered debt counsellor to assess your debts and affordability

Completion of an application form: Form 16

Communication with creditors about your balances , interests and current repayment period

Drawing up a new budget for all your necessary expenses

The inability to pay the debts may result in the consumer being declared OVER INDEBTED.

We relieve you of financial stress

You do not have the money or the means to look after your family because of debt

You fear answering the phone because of harassment

Let us help to relive you of financial stress

Get out of a tight spot

One single instalment proposed as payment plan

Meet your living or household expenses

Protection from debt collectors

An opportunity to start over: debt free and clean credit record

Why Debt Counselling?

You get to keep your assets

Protection in terms of the National Credit Act

Affordable payment plan