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Becoming Debt Free
What is Debt Review?
Debt review is a process whereby a debt counsellor assesses your outstanding debts and puts in place a restructured debt repayment plan of one installment. Our Debt Counsellor will renegotiate interest rates and repayment terms with your credit providers to reduce terms.
Have Peace of Mind With One Monthly Payment
Benefits of Debt Review
Reduced Monthly Installment (Saving you money)
Protection of your assets from repossession by Credit Providers
One Fixed Monthly Payment
Legal Protection
Clearance Certificate: Clear credit record once Debt Review process is completed
Talk to us about becoming debt free!
The Process of Becoming Debt Free
How it Works
Complete Debt Assessment
Complete our online form or contact us and have one of our agents run through the application with you.
We will assess your situation
We will review and evaluate your information and determine what will best suit your exact needs.
Debt Review
We will inform the Credit Bureaus and your Creditors that you have been listed under Debt Review.
Negotiation
We will negotiate with your Creditor Providers and setup one affordable monthly repayment based on your current living expenses.
Finally
Our specialist attorney will apply for a court order in order so that you are protected against legal action taken by your Credit Providers.
Your Questions Answered
Frequently Asked Questions
If after your living expenses from your net salary, you have less money left over than that of your installments on your debt then you may apply for Debt Review.
We consider your monthly income as well as your living expenses. A recommendation is then made on the amount you can reasonably afford each month.
We can include; Home Loans, Vehicle Finance, Credit Cards, Store accounts, Personal loans, Overdrafts and Micro-loans.
We do not cover Doctors fees, Insurance Premiums, School fees etc.
You may choose any date which is suitable for you within 30 days of enrolment in the process.
No. You need a monthly income in order for us to propose a reduced debt repayment plan to your Credit Providers.
The debt review process as such is not classified as a credit agreement and you will therefore able to rent a property. In fact, we will make provision for your rent expenditure in your debt restructuring budget and can provide the agent or lessor with a letter that confirms that you are in a position to pay your monthly rental.