Professional Debt Counselling by NCR registered Debt counsellors – Mpumalanga

Debt counselling Mpumalaga

Debt counselling and debt review by registered debt counsellors Mpumalaga

We Can Help You Get Debt Free‎ and prevent legal action and repossession

Lower Monthly Payments‎  by up to 60%

Free Debt counselling applications (T’s&C’s apply)

Dont wait

If you are in arrears with your accounts, don’t wait for legal action to start. Get protection TODAY

Debt counseling process

The debt counselling process is very easy to understand. You basically get the opportunity to pay a reduced monthly repayment towards your debt

Important questions

Is this a loan?

Absolutely not. Debt counselling is not a loan

Can I exit debt counselling?

Yes you can. At any time you can withdraw from the process

Is debt counselling binding to my creditors?

Debt counselling is the only process where your original agreement can be altered and be enforced

When to use debt review

If you are struggling every month to repay your debt at the cost of the quality of your life then you must consider debt review

While debt review reduces your monthly repayments it allows you to provide better for your family because it leaves you with more disposable income

Free debt counseling assessments

We provide free debt counselling assessments and we do not charge joining fees

Contact us today for debt counselling and debt review in Bronkhortspuit, Middelburg (Mpumalanga), Witbank, Pelgrimsrus, Lydenburg, Burgersfort, Belfast, Nelspruit, Ermelo, Evander, Trichard, Kinross, Amersfoort, Waterval Boven, Waterval Onder, Machado Dorp, Graskop, Sabie, Hazyview, Bosbokrand, Sabi Sands, Klaserie, Hoedspruit, Marloth Park, Skukuza, Steelpoort and the rest of South Africa

Wat is Skuldberading – Mpumalanga

Wat is Skuldberading – Mpumalanga  ?

MPUMALANGA LOGOSkuldberading in in Bronkhortspuit, Middelburg (Mpumalanga), Witbank, Pelgrimsrus, Lydenburg, Burgersfort, Belfast, Nelspruit, Ermelo, Evander, Trichard, Kinross, Amersfoort, Waterval Boven, Waterval Onder, Machado Dorp, Graskop, Sabie, Hazyviewand, Bosbokrand, Sabi Sands, Klaserie, Hoedspruit, Marloth Park, Skukuza, Steelpoort is n proses wat deur die NCR beheer word kragtens die Nasional Kredietwet

 

Skuldberading is n proses waardeur ‘n klient gaan indien hy nie meer sy maandelikse verpligtinge teenoor krediteure kan nakom nie. Met ander woorde as jy te min geld het om jou maandelikse skuld te betaal kan skuldberading vir jou n oplossing wees vir jou skuld.

 

Die skuldberader in Mpumalanga   sal met elke krediteur ‘n nuwe terugbetalings ooreenkoms onderhandel wat die klient kan bekostig om te betaal elke maand. Terugbetalings word verlaag sonder dat jou uitstaande balans meer word. Om dit maklik te verduidelik: Jou tydperk wat jy oorspronklik gehad het om jou skuld terug te betaal word verleng en sodoende word jou paaiement verlaag

 

As jy aanbly onder skuldberading tot al jou skuld betaal is sal jy geen skuld he nie en dus n nuwe beter lewe kan begin sonder om die foute te maak wat jou in die skuld lokval vasgevang het nie.

 

Jy kan enige tyd onttrek uit die proses van skuldberading en hoef nie te bly tot alles klaar betaal is nie

 

Verligting van skuld is onmiddelik en jy sal dadelik die beskerming van die wet geniet onder skuldberading

 

Kontak ons gerus vir gratis skuldberadings aansoekke In Mpumalanga

What is debt review in South Africa

What is debt review in South Africa

Debt Review and Debt counselling  is a process in terms of the National Credit Act for over indebted consumers (Over indebted means if you cannot repay all your monthly debt with your current financial situation)

 

The purpose of debt counselling is to protect the over indebted consumer against Credit providers. The first step in the process is to get the help from a registered debt counselor like

Professional Debt Counselling by NCR registered Debt counsellors – Mpumalanga

Professional Debt Counselling by NCR registered Debt counsellors – Mpumalanga

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We Can Help You Get Debt Free!‎ and prevent legal action and repossession

 

Lower Monthly Payments‎  by up to 60%

 

Don’t wait untill it is too late

 

Free Debt counselling applications (T’s&C’s apply)

 

 

 

Dont wait

If you are in arrears with your accounts, dont wait for legal action to start. Get protection TODAY

 

Debt counseling process

The debt counselling process is very easy to understand. You basically get the opportunity to pay a reduced monthly repayment towards your debt

 

Important questions

Is this a loan?

Absolutely not. Debt counselling is not a loan

Can I exit debt counselling?

Yes you can. At any time you can withdraw from the process

Is debt counselling binding to my creditors?

Debt counselling is the only process where your orginal agreement can be altered and be enforced

 

When to use debt review

If you are struggling every month to repay your debt at the cost of the quality of your life then you must concider debt review

While debt review reduces your monthly repayments it allows you to provide better for your family because it leaves you with more disposable income

 

 

Free debt counseling assessments

We provide free debt counselling assessments and we do not charge joining fees

 

Contact us today for debt counselling and debt review in Bronkhortspuit, Middelburg (Mpumalanga), Witbank, Pelgrimsrus, Lydenburg, Burgersfort, Belfast, Nelspruit, Ermelo, Evander, Trichard, Kinross, Amersfoort, Waterval Boven, Waterval Onder, Machado Dorp, Graskop, Sabie, Hazyviewand, Bosbokrand, Sabi Sands, Klaserie, Hoedspruit, Marloth Park, Skukuza, Steelpoort and the rest of South Africa

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Is Debt review good or bad?

Is Debt review good or bad?

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We often get the question from consumers whether debt counseling is good or bad.

We wrote this to clarify that it is not a simple yes/no answer but a complex set of answers for both yes and no

Debt counseling is good if……

If you yourself decided and realized that you are over indebted and that you cannot afford your monthly debt repayments anymore

If you pay your debt on time but you do not have enough money left to sustain your current lifestyle.

maintaining your current lifestyle means that you pay your debt and don’t have enough for your living expense like groceries

Debt counseling is good if you want to get a structured plan to get out of debt AND you stick to it

Debt counseling is bad if……

If you manipulate the system to buy time and to try and get extra money every month to spend on unnecessary stuff

If you do not stick to your new budget and keep up with your proposed debt review payment plan

If you ignore the debt counselor and creditors to comply with the provisions of the Act with regards to Debt counseling

 

In short, debt counseling is a very effective tool to assist you if YOU made a educated decision to repay your debt

 

Contact us today with the form below to have a free debt counseling assessment done

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Important information regarding your application process.

Important information regarding your application process.

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Although the National Credit Act allows protection when your application is received there are three important facts you have to remember.

 

 

  1. Debit Orders

 

The Act states very clearly that all your credit providers MUST stop all debit orders that they

have on your account. The fact is that they don’t bother, leaving you with a “double payment “when you have paid your PDA account as well. This “grabbing” of funds by the credit providers is in direct violation with the Act as the said credit provider gives himself an advantage above others. The Act states that all creditors will enjoy equal benefits and rights. Although the money drawn from your account can be reversed we advise that you open another account (with a bank where you don’t have credit) to avoid this hassle.

 

  1. Final notices (Section 129)

 

According to the Act a credit provider can only refuse to accept your application if a Section 129notice (final notice) have been delivered and the time mentioned in that noticed has lapsed. As we do in our application form, we urge all applicants to be very honest in providing info on these notices. Should there be a 129 notice that has lapsed that account will not be included in your application and subsequently the asset attached to that account will be repossessed.

 

Please take note of this as we cannot be held liable for advising and informing you on your favorable application when this fact is being withheld from us.

 

  1. Calls from creditors

 

Once you have applied for debt review and your details have been submitted to the NCR all creditors will receive notice that your application was made. As a result you will most likely start receiving calls from your credit providers stating you have to pay immediately to avoid legal action. THIS IS HARRASMENT AND EMPTY THREATS AND MUST BE IGNORED!.

 

The reason for the sudden calls is from the COLECTIONS DEPARTMENT and NOT form the Debt review department. Part of the salary structure of collection agents is based on commission the earn as a result of money that they collect from you! NEVER will the debt review department phone you and all other calls from creditors should be referred to us

 

These calls from creditors immediately puts us as your debt counselor in a bad light and creates distrust between you and us.

 

Should you have any further questions or comments please email us at

 

support@helpwithdebt.co.za

 

Debt counselling Mpumalanga

Debt review and debt counselling Mpumalanga

Help with debt assist clients in Bronkhortspuit, Middelburg (Mpumalanga), Witbank, Pelgrimsrus, Lydenburg, Burgersfort, Belfast, Nelspruit, Ermelo, Evander, Trichard, Kinross, Amersfoort, Waterval Boven, Waterval Onder, Machado Dorp, Graskop, Sabie, Hazyviewand, Bosbokrand, Sabi Sands, Klaserie, Hoedspruit, Marloth Park, Skukuza, Steelpoort and the rest of South Africa

Before a debt management company such as Help with Debt can assist any client with their debt problems, the process of debt review needs to be undertaken. Debt review assists the debt management company in identifying the debt problem at hand, and finding the suitable solution.

Help with Debt performs a thorough debt review process on all their clients, ensuring that all needs are identified, and an accurate solution created.

Help with Debt offers the following to their clients who are searching to undergo debt review:

No upfront fees

No additional loans

One very affordable monthly payment to creditors

No interviews unless you want to have a free consultation

Contact Help with Debt today, and let them assist you through their debt review services.

Contact Details:

Contact Number: 073 053 7756

Fax Number: 086 519 4004

Email: info@helpwithdebt.co.za

Website:http://www.helpwithdebt.co.za