DEBT COUNSELLING We can help you through your debt

WHAT IS DEBT COUNSELLING? Debt counseling aims to assist over-indebted consumers so that they can afford their monthly living expenses as well as pay their creditors. Debt counselling will protect over indebted consumers from legal action, and protect their homes and cars from repossession. We have an excellent team that can help you find a suitable solution to your debt concerns.

HOW DOES DEBT COUNSELLING WORK?

One of our very skilled team members will calculate your debt based on your liabilities which will be measured against your income. You will be required to provide your allocated debt counsellor with documents such as proof of income, bank statements, list of expenses and credit obligations. If you are over-indebted , your debt counsellor will notify the credit bureau that you are undergoing debt counselling. The debt counsellors will contact your creditors thereafter to negotiate to lower your interest rates and credit agreements.

HOW CAN DEBT COUNSELLING HELP YOU?

• Reduce your debt repayments to an amount that you can afford based on your cirumstances. • Debt review and counselling combines all your debt repayments into one instalment and protects you against blacklisting/ legal action. • No more juggling between payments. • You pay one affordable instalment with lower interest rates, less than what you would have paid with a normal consolidation plan. Item Old Payment New Payment Reduction Property Bond R 5,245.23 p/m R 3,933.94 p/m R 1,311.31 p/m Vehicle Finance R 3,519.25 p/m R 2,510.68 p/m R 1,008.57 p/m Unsecured Debt R 11,168.25 p/m R 3,390.50 p/m R 7,777.75 p/m Total R 19,932.75 p/m R 9,835.12 p/m R 10,097.63 p/m

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