Are you facing vehicle or property repossession in The East Rand ?

 

Creditors calling every day?

 

Prevent repossession and stop all legal action today!!

 

Debt counselling will lower your total monthly debt repayments by up to 60% without increasing your settlement amount. Meaning you will pay the same amount you owe today, but easier on your pocket. This will give you more money in your pocket at the end of every month. STARTING FROM TODAY!

 

Help with debt, debt counsellors will assist you and your family in The East Rand  with immediate effect to prevent all property and vehicle repossession as well as to stop and prevent all legal action that might lead to the sheriff attaching your loose assets and selling them on auction.

 

We are registered with the National Credit Regulator and pride ourselves with providing fast and friendly service with great after-care to debt review clients in The East Rand .

 

Please visit our website at www.helpwithdebt.co.za OR

SMS “my skuld” your name and email address to 33903 and we will contact you.

 

Are you facing vehicle or property repossession in the Freestate ?

Are you facing vehicle or property repossession in the Freestate ?

 

Creditors calling every day?

 

Prevent repossession and stop all legal action today!!

 

Debt counselling will lower your total monthly debt repayments by up to 60% without increasing your settlement amount. Meaning you will pay the same amount you owe today, but easier on your pocket. This will give you more money in your pocket at the end of every month. STARTING FROM TODAY!

 

Help with debt, debt counsellors will assist you and your family in the Freestate  with immediate effect to prevent all property and vehicle repossession as well as to stop and prevent all legal action that might lead to the sheriff attaching your loose assets and selling them on auction.

 

We are registered with the National Credit Regulator and pride ourselves with providing fast and friendly service with great after-care to debt review clients in the Freestate .

 

Please visit our website at www.helpwithdebt.co.za OR

SMS “my skuld” your name and email address to 33903 and we will contact you.

 

Are you facing vehicle or property repossession in Limpopo ?

 

Creditors calling every day?

 

Prevent repossession and stop all legal action today!!

 

Debt counselling will lower your total monthly debt repayments by up to 60% without increasing your settlement amount. Meaning you will pay the same amount you owe today, but easier on your pocket. This will give you more money in your pocket at the end of every month. STARTING FROM TODAY!

 

Help with debt, debt counsellors will assist you and your family in Limpopo  with immediate effect to prevent all property and vehicle repossession as well as to stop and prevent all legal action that might lead to the sheriff attaching your loose assets and selling them on auction.

 

We are registered with the National Credit Regulator and pride ourselves with providing fast and friendly service with great after-care to debt review clients in Limpopo .

 

Please visit our website at www.helpwithdebt.co.za OR

SMS “my skuld” your name and email address to 33903 and we will contact you.

 

Are you facing vehicle or property repossession in Mpumalanga ?

 

Creditors calling every day?

 

Prevent repossession and stop all legal action today!!

 

Debt counselling will lower your total monthly debt repayments by up to 60% without increasing your settlement amount. Meaning you will pay the same amount you owe today, but easier on your pocket. This will give you more money in your pocket at the end of every month. STARTING FROM TODAY!

 

Help with debt, debt counsellors will assist you and your family in Mpumalanga  with immediate effect to prevent all property and vehicle repossession as well as to stop and prevent all legal action that might lead to the sheriff attaching your loose assets and selling them on auction.

 

We are registered with the National Credit Regulator and pride ourselves with providing fast and friendly service with great after-care to debt review clients in Mpumalanga .

 

Please visit our website at www.helpwithdebt.co.za OR

SMS “my skuld” your name and email address to 33903 and we will contact you.

 

Are you facing vehicle or property repossession in The West Rand ?

 

Creditors calling every day?

 

Prevent repossession and stop all legal action today!!

 

Debt counselling will lower your total monthly debt repayments by up to 60% without increasing your settlement amount. Meaning you will pay the same amount you owe today, but easier on your pocket. This will give you more money in your pocket at the end of every month. STARTING FROM TODAY!

 

Help with debt, debt counsellors will assist you and your family in The West Rand  with immediate effect to prevent all property and vehicle repossession as well as to stop and prevent all legal action that might lead to the sheriff attaching your loose assets and selling them on auction.

 

We are registered with the National Credit Regulator and pride ourselves with providing fast and friendly service with great after-care to debt review clients in The West Rand .

 

Please visit our website at www.helpwithdebt.co.za OR

SMS “my skuld” your name and email address to 33903 and we will contact you.

 

Are you facing vehicle or property repossession in The Western Cape ?

 

Creditors calling every day?

 

Prevent repossession and stop all legal action today!!

 

Debt counselling will lower your total monthly debt repayments by up to 60% without increasing your settlement amount. Meaning you will pay the same amount you owe today, but easier on your pocket. This will give you more money in your pocket at the end of every month. STARTING FROM TODAY!

 

Help with debt, debt counsellors will assist you and your family in The Western Cape  with immediate effect to prevent all property and vehicle repossession as well as to stop and prevent all legal action that might lead to the sheriff attaching your loose assets and selling them on auction.

 

We are registered with the National Credit Regulator and pride ourselves with providing fast and friendly service with great after-care to debt review clients in The Western Cape .

 

Please visit our website at www.helpwithdebt.co.za OR

SMS “my skuld” your name and email address to 33903 and we will contact you.

 

Are you facing vehicle or property repossession in The Northern Cape ?

Are you facing vehicle or property repossession in The Northern Cape ?

 

Creditors calling every day?

 

Prevent repossession and stop all legal action today!!

 

Debt counselling will lower your total monthly debt repayments by up to 60% without increasing your settlement amount. Meaning you will pay the same amount you owe today, but easier on your pocket. This will give you more money in your pocket at the end of every month. STARTING FROM TODAY!

 

Help with debt, debt counsellors will assist you and your family in The Northern Cape  with immediate effect to prevent all property and vehicle repossession as well as to stop and prevent all legal action that might lead to the sheriff attaching your loose assets and selling them on auction.

 

We are registered with the National Credit Regulator and pride ourselves with providing fast and friendly service with great after-care to debt review clients in The Northern Cape .

 

Please visit our website at www.helpwithdebt.co.za OR

SMS “my skuld” your name and email address to 33903 and we will contact you.

 

What is debt review and how does it work?

HELP WITH DEBT/ HULP MET SKULD is a young and innovative company established with the
purpose of rescuing people from their dire state of financial distress in today’s economic climate.
1. When a consumer (client) realizes that he/she is over indebted and that some arrangements
have to be made to make sure all monthly repayments are met.
2. The consumer contacts a registered Debt Counsellor who supplies a regulated form 16 and
assists with the completion thereof. As soon as this form is completed the consumer will have
formally applied for debt review in terms of the Act.
3. All requested documentation as on the application form is supplied by the consumer within 5
days of signing the form 16.
4. With the information and supporting documents supplied by the consumer the debt counsellor
now informs all the known creditors of the consumer that the said consumer has applied for
debt review. This is done with the regulated form 17.1 as well as 17.2
5. A formal analysis is done by the Debt counsellor to determine if the consumer is indeed over
indebted. This is a very simple calculation once all information has been taken into account. A
consumer can only apply for debt counselling if his/her monthly disbursable amount (Nett
income minus living expenses) is LESS than the amount required to service all obligations.
AS EXAMPLE ONLY. If the consumer only has R5000 to pay his/her debt after the living
expenses have been accounted for, and the total monthly debt repayments are R6000 the
application would be a success.
6. If the consumer is indeed over indebted according to the above method all creditors would be
informed of this for their record.
7. The restructuring process can now begin. The Debt counsellor will now restructure and
renegotiate all credit agreements and present these proposed terms to all creditors. This new
proposal will then restructure the consumer’s monthly commitments to be more affordable
and ensure that all credit agreements get something every month.
8. The new proposal will now be sent out to all the creditors after it has been approved by the
consumer. Should all creditors agree to a consent order that new arrangement will be made
an order of court. If there are some creditors who don’t agree to the restructuring a court date
will be allocated for the matter to be heard. At this hearing the magistrate will have no choice
to grant the order if the debt counsellor acted in terms of the Act and subsequently
restructured the debt accordingly.
9. A Very important consideration when applying for debt counselling will be who handles your
money! Debt counsellors are not allowed to handle any money from consumers except for the
application fee along with the retainer for early cancellation.
10. All disbursements of contributions will be handled by a registered Payment Distribution
Agency (PDA). The PDA is regulated and governed by the Act. As soon as a restructuring
proposal is agreed on by the consumer payments of the distribution amount will be paid over
from the consumer directly to the PDA. The PDA in turn will disburse with the funds as per the
restructuring proposals.
11. The Fee structure:
Debt counsellors are entitled to a maximum of R 6000 plus VAT for single applications and R
6000 plus VAT for a joint application.
The Act allows for the following payment of Debt counsellor fees as well as Legal fees.
The first payment made by the PDA will pay the debt counsellors fee
The second payment will pay the legal fees
The third payment will be the first payment that creditors receive. This is done so that
consumers don’t have to pay any money that they might not have up front, and to make the
process affordable.
12. When the payments are being made to the creditors by the PDA there will be some
agreements that will be paid up before others. As soon as this happens the Debt counsellor
must restructure the payments again to make sure any creditor is not paid more than he must
receive and to disburse the surplus equally between the other to ensure that the process runs
smoothly. For this the Debt counsellor is entitled to a 5% after care fee not exceeding R300.
13. As soon as all debt has been cleared the debt counsellor will release the consumer from debt
review and issue him/her with a clearance certificate. All records will also be removed from
the credit bureaus
14. Should a consumer’s situation change for the better and they are in a position to repay all
monthly obligations as they were before the restructuring they will be allowed to be release
from debt counselling. Although nothing is binding, any consumer can leave the process at
any time for any reason
HELP WITH DEBT/ HULP MET SKULD has formed partnerships with various service providers to
offer the following services as noted below;
• Back office services to us as debt counsellors / consultants within the prescribed framework
of the new credit act.
• Ability to assist with the complete Debt Review service, from processing the application, up to
and including the PDA (distribution) phase.
• Assistance with the capturing and processing of the application.
• Preparation and the forwarding of the form, notices
• Calculating and preparing the offers to creditors
• Negotiations with Creditors on behalf of the Debt Counsellor. This saves a lot of time, as we
have established excellent relations with the appropriate negotiators at the offices of the
creditors.
• Liaising and communicating with the PDA (Registered Payment and Distribution Agency) on
behalf of the Debt Counsellor
• Preparation of information for the payment and distribution phase
• Monitoring of the monthly payments from clients as well as distributions to creditors
Integrated PDA (Registered Payment and Distribution Agency)
With the Debt Review and Debt Administration products we have negotiated the advantage of having
an integrated PDA (Registered Payment and Distribution Agency) facility which makes our service
unique, more sufficient and trustable.
• One of only five PDA’s in the country approved by and registered with the National Credit
Regulator
• 9 years’ experience in the field of Payment and Distributions
• Expertise and experience utilized to develop own custom-made software programme
specifically aimed at the Debt Counselling industry
• Excellent reputation in the industry regarding the handling and management of trust accounts
and trust funds, resulting in outstanding established relations with all major creditors
• Experienced auditing team with vast experience in the field of debt consolidation, as well as
payment and distribution functions
• Development of the PDA done with continued input from the National Credit Regulator
• The PDA Partner distribution system is fully integrated with the Debt-Wise software
programme, which was developed primarily for use in the Debt Counselling industry. This
allows for effortless automatic transfer of client data
• PDA Partner offers a comprehensive real-time reporting system to both the Debt Counsellor,
as well as the national Credit Regulator
• The software hosts an extremely reliable record-keeping and backup function
• Excellent system security resulting in peace of mind for all subscribers
HELP WITH DEBT/ HULP MET SKULD brings to the table a rich source of knowledge of local market
needs, marketing expertise and systems-related capability that paves the way for instant transacting
with customers in need. These skill and experience, in conjunction with quality service and
unassailable leadership, translates into a fair degree of market dominance over the next 2 years.
Should you have any further questions about debt review please do not hesitate to contact us
Regards
Help wit debt – Deb counselling Firm

Prevent property and vehicle repossession in south africa

Help with debt will assist all South African consumers with application for debt review and debt counselling in order to prevent property and vehicle repossession

If you are in arrears with your vehicle finance account or bond account,

He bank will certainly institute legal action against you to repo their goods.

The vehicle and the property is always used as security for the loan and once the loans have been recalled the assets will be repossessed and seized to recover monies owed by you, the consumer to the credit provider (the bank)

With application for debt review we will be ablemto prevent repossession of vehicles and property in South Africa
Debt review and debt counselling will also reduce your monthly debt repayments without increasing your outstanding balance

Help with Debt is registered with the NCR and we operate all over South Africa

Please visit our website by clicking this link

Or email us here

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You can also add us on your Blackberry or just send an Sms with the word DC followed by your name and email address to 33903 and we will call you back

Regards

Stefan Fourie
073 053 7756

Prevent repossession

If you are facing property or vehicle repossession you can prevent it by application for debt review and debt counselling.

If anyone needs more info, just drop us an email at info@helpwithdebt.co.za