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060 087 1037

We understand that change in circumstances and current economic pressures can take their toll on you and that important expenses - like rates, groceries, school fees and insurance - still need to be paid. We make this possible.

You only pay 1 single monthly debt repayment

We protect you from your creditors

All our agents are qualified debt counsellors

We provide a plan for you to get debt-free

Not having a plan to change your current situation adds extra stress to the above. You need a plan. And that's where we come in. We provide you with a timeline that you can pay your debts off in. We restructure your credit agreements so that you have money to pay your bills monthly. We talk to your creditors, take care of the legal stuff and make sure that all your assets are protected throughout the entire debt review process, so...

Rent

Groceries

Personal Loans

School Fees

Clothes

Rates

Insurance

Stress!

Set yourself a calendar date for being debt-free!

How it works

Our process

hello world!

Step 1 of 6

Assessment & Application

You apply for a Debt Review by providing us with all the relevant personal information including your essential monthly expenses and creditors list.

You include supporting documentation i.e. ID, payslip and account information, on been assessed as over indebted by the debt counsellor a form 16 (application form) will be signed by you confirming all the above mentioned relevant information received by our Debt Counsellor.

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Step 2 of 6

Notification to creditors

Our Debt Counsellor will inform all the creditors listed on your debt review application of your application by submitting a form 17.1

(Notification of a debt review application), within 5 days of the 16 (the application) been signed by you.

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Step 3 of 6

Creditors feedback

The Creditors will then verify each account of yours by forwarding a certificate of balance (COB) of any account that you hold to our Debt Counsellor.

Our debt counsellor will use this certificate of balance as a true balance and peruse all details relating to the credit agreement, on satisfaction and collection of all COB'S , our debt counsellor will send a form 17.2 form to the creditor as notification of the debt counsellor's acceptance of the your debt review application.

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Step 4 of 6

Restructuring proposal to creditors

With the correct outstanding balances in hand and all other information regarding the consumers account.

I.e. Interest, Date of inception and Arrears, our Debt Counsellor will conduct a Monthly Income Vs Monthly Expenditures analysis to determine the affordability amount available to your creditors, from which a proposal to each creditor can be achieved, the proposal will define the monthly amount proposed to each creditor and the new term (time period) proposed of each creditor and the interest. all subject to your affordability.

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Step 5 of 6

Legal protection

Once feedback has been received back from all creditors regarding the proposals, acceptances or counter proposals, our Debt Counsellor will have the Debt review application drawn up by our attorneys for set-down at court to have the proposal turned into a court order.

Binding the agreements made between the you and your creditors. Our debt counsellor will thereafter conduct an annual review with you.

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and let's not forget

Step 6 of 6 - You are cleared

Issuing of the Clearance certificate:

When all the creditors listed under debt review are paid in full and paid-up letters received, our debt counsellor can issue a clearance certificate to yourself and the NCR, for the removal of your debt review status listed on the consumers credit bureaus report.

In the event of a bond listed on the debt review, a clearance certificate may be issued by a debt counsellor should the bond have no arrears and a letter from the bank obtained, stating that you have reverted to the original bond contract payments with no arrears and has no objection to the lifting of the debt review status of the consumer.

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Talk to our assessors

We understand

Dealing with debt can be stressful.

We understand that dealing with debt can be a stressful and overwhelming experience. That's why we are dedicated to providing you with personalised guidance and support throughout our debt review process.

Step 1

We will review your current financial situation

Step 2

We work with your creditors to negotiate a repayment plan that works for both parties.

Step 3

We help you create a debt repayment plan that meets your needs and budget.

Talk to our assessors

How we help

Our services include

Debt negotiation

We will work with your creditors to negotiate a repayment plan that works for both parties.

Debt consolidation

We can help you consolidate your debt into one manageable payment.

Credit counselling

Our counsellors will help you understand how to use credit responsibly and how to make the most of your money.

Debt review

Our team will review your current debt situation and create a personalised debt repayment plan.

Click here to get started

CREDIT RELIEF YOU CAN BELIEVE

060 087 1037

We will guide you through each step

Our process

Step 1 of 6

Step 2 of 6

Step 3 of 6

Step 4 of 6

Step 5 of 6

Step 6 of 6 - You are cleared

Dealing with debt can be stressful.

Step 1

Step 2

Step 3

Our services include

Debt negotiation

Debt consolidation

Credit counselling

Debt review

Fill out the form below and we'll get in touch

Email us: [email protected]

060 087 1037