Debt Review (Home)
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 What is Debt Counselling?
 How to get out of Debt
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Debt Review

Debt Review Debt Review is a process in terms of the National Credit Act for over indebted consumers. The purpose of the act is to protect the over indebted consumer against Credit providers. The first step in the process is to get the help from a debt counsellor and we do recommend that you do work with a company that has a NCR number and thus is registered with the NCR.

You will need to provide the debt counselling company with information and documents such as, your ID document and Salary slip. The debt counsellor will then take all the information and determine if you are able to repay your debts monthly or not. Remember to be completely honest and provide all the relevant information as well as expenses.

The debt counsellor will then draw up an income and expense document to determine truly if you are able to repay your debts and give this final numbers to you. If you are not able to repay your debts, the official process of registering for debt counselling will start. There are a few fees involved and remember to make sure with your debt counsellor about these fees.

These include an application fee, a rejecting and restructuring fee, monthly fee and legal fees. The debt counsellor will then inform all your creditors and follow up on the outstanding amounts and well as contact the bureaus to let them know that you are under debt review. If all the creditors are happy with the payment terms, a legal consent will be given, stating that the lower monthly installment terms have been agreed to and cannot be changed later on.

The applicant must then from his/her side comply and stay up to date with the monthly repayments. This is the debt review process in short and if you do feel that you do need the help of a review company to assist you with debt counselling, please complete the enquiry form below and we will get back to you as soon as possible.

Our purpose is to provide consumers with Financial Security and Freedom:
  1. Protection in terms of the National Credit Act
  2. Budget planning
  3. Certainty of outstanding debt and balances
  4. Direct negotiations with credit providers by Debt Counsellor
  5. Confidential management of finance
  6. Professional service and knowledge
  7. Financial freedom.

How do I Apply for Debt Review?

Here is a guideline of what you need to do when you want to apply to be under Debt review.

When you receive frequent phone calls from credit providers about outstanding debt because you struggle to keep up with the monthly instalments on the loans, you need to contact us as soon as possible to discuss you options. Do not wait until it is too late and creditors start with litigation against you.


Benefits of Debt Review

There are quite a few benefits debt review provides and since we get asked this question allot, we decided to outline these benefits for you of going under debt review.

1. One Fixed Monthly Payment

The biggest benefit of debt review is that you will only have to pay one fee that will cover all your expenses regarding your creditors. This will mean that since you have less debt to pay, you will have more money available to use on other things, so this will give you more freedom on your monthly expenses.

2. No More Calls from Creditors

Once you are registered for debt review, it will entail that you do not have to deal with any contact from your creditors and the debt counselling company will take control of that for you.

3. No Blacklisting

Another big benefit is that the NCR protects you from being blacklisted. This will immensely benefit you, since blacklisting is another issue that you do not have to deal with.


How to get out of Debt?

In the current economic situation it is not always easy to get out of debt ... or stay out of debt. Salary earners only receive a capped monthly income, no matter how hard they work and cannot really do anything about the increase of costs such as fuel, electricity and interest rates.

Here is some tips that might be able to assist you with your budget:

- You need to draw up a monthly budget with your income and expense. This will provide you with a realistic picture of your current financial situation.


Please contact us if you need immediate assistance on:

Chantal Mans
Debt Counsellor

Office Tel:     021 988 0285
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National Credit Regulator (NCR) - Please note that our team is qualified and compliant with the NCR.

Home | About Us | Debt Counselling | Guide of a Review Application | Are you in Debt? | What do Counsellors do? | How to get out of Debt? | Why use a Counsellor? | Why pay fees to Counsellor? | Skuldberading

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