Are you struggling with Debt?

Does another petrol increase make you cringe? When your bills come, do you dread opening them? Do thoughts of over piling debt keep you up at night? Has it become difficult to cope with everything seeming to rise constantly whilst your income seems to be shrinking? Has every cell phone call coming from a private number become daunting? It might be that you’re in a financial crisis. You probably do not know how you’re going to make it through this month with the municipal account, children’s fees, food, petrol and other obligations that you have to take care of.

Help is at hand. As professional Debt Counsellors we can help you get on the road to financial recovery. With our friendly and courteous manner, we provide invaluable Debt Counselling in the Cape Town area. This professional Debt Counselling Firm is headed up by a qualified Chartered Accountant with over 20 years' experience in various financial sectors. In our possession are the skills and knowledge necessary to safeguard your home, vehicle and other assets, so contact us today.

What can Debt Counselling do for me?

With our help you can have enough money to pay for your basic living expenses and all your creditors through one monthly debt installment. Have you reached the stage where no financial institution is willing to loan you money and your creditors have become seemingly hostile with their final demands and threats? If so then it is time to consider applying for the protection of Debt Review. This gives you legal protection from your creditors in terms of the National Credit Act 34 of 2005 and is regulated by the National Credit Regulator.

Besides giving you peace of mind, Debt Counselling can reduce your monthly debt installments by up to 50% while also providing you with protection from repossession or legal action by creditors. Debt Counselling can ensure that you can afford your basic living costs again. You are also legally protected from being blacklisted, if you aren’t already and your credit record can be cleared after your debts have been repaid.

What do I need to qualify for Debt Counselling?

To qualify for Debt Counselling you need to be over-indebted, which means:

(a) That your monthly take home income is less than your reasonable monthly living expenses and monthly obligations;

(b) You struggle to pay your current debt on time;

(c) You do not have enough to pay your debt after vital living expenses;

(d) You are probably unable to pay all future debt should you take out further loans. Essentially, you must have an income whether you are self-employed or an employee of a company.

Being over-indebted or blacklisted is nothing to be ashamed of, it can happen to anybody and it does.

When you find yourself in this situation, applying to be under Debt Review is probably the best option you have to get yourself and your family back on track financially. There is no need to do it alone, we will aid you every step of the way. Your whole household debt can be managed. Through our appointed Payment Distribution Agency, we have a unique system where you can track what your creditors are being paid on a monthly basis.

We are registered Debt Counsellors with the NCR. Our registration number is NCRDC 1870


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