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

What is a credit counselor

What is a credit counselor

A Debt counselor is a person that completed all the prescribed training and acquired the relevant qualification in Terms of the National credit Act. All debt counselors should be registered with the National Credit Regulator (NCR) and should be able to provide new consumers with a NCRDC registration number and proof that the registration is up to date.

Help with Debt, Debt counselors, are qualified and registered debt counselors and work all over South Africa

If you need debt review or debt counseling advice please visit our website today

http://www.helpwithdebt.co.za

 

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Professional Debt Counselling by NCR registered Debt counsellors – Limpopo

Professional Debt Counselling by NCR registered Debt counsellors – Limpopo

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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  Polokwane (Pietersburg), Tzaneen, Phalaborwa, Hoedspruit, Ellisras, Makhado (Louis Trichard), Mokopane(Potgietersrus), Mookgopong (Naboomspruit), Bela-Bela (Warmbaths) Modimolle (Nylstroom) and the rest of South Africa

 

 

 

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Professional Debt Counselling by NCR registered Debt counsellors – Helderberg

Professional Debt Counselling by NCR registered Debt counsellors – Helderberg

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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 Overberg, Strand, Gordon’s Bay, Somerset West, Pniel, Stellenbosch and the rest of South Africa

Help with debt logo

 

 

 

 

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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Professional Debt Counselling by NCR registered Debt counsellors – South Africa

Professional Debt Counselling by NCR registered Debt counsellors – South Africa

Facebook header Pretoria

 

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

 

Cape Town debt counselling and debt review, Durban debt counselling and debt review, Johannesburg debt counselling and debt review, Soweto debt counselling and debt review

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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