Our Services
Debt Counselling
Statutory Protection for the Over-Indebted
We help you enter debt counselling so your repayments can be restructured to an affordable amount, while you remain protected from enforcement action.
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Understanding the Process
What is Debt Counselling?
Debt Counselling is a formal legal process introduced by the National Credit Act to protect consumers who can no longer meet their monthly debt obligations. It prevents creditors from taking legal action against you (like repossession) while you pay off your debt at a reduced rate.
Is This Right For You?
If you are employed but your debt payments exceed your disposable income, Debt Counselling is the safest way to retain your assets (home and car) while rehabilitating your finances.
Our Solutions
How We Help
Assessment
Our in-house Debt Counsellors assess your income and expenditure to determine over-indebtedness.
Protection
Once you apply, legal action from credit providers is stayed (paused) immediately.
Restructuring
We negotiate reduced interest rates and extended terms to lower your monthly installment by up to 60%.
Court Order
We obtain a court order making this new arrangement legally binding on all your creditors.