Debt counselling and Debt review Northern Cape

Debt review and debt counselling Northern Cape

Debt review and debt counselling Northern Cape. Visit http://www.helpwithdebt.co.za

Debt review and debt counselling the Northern Cape

Help with debt assist clients in Barkley West, Canavron, Colesberg, Danielskuil, De Aar, Fraserburg, Griekwastad, Kakamas, Kammieskroon, Kathu, Kimberley, Kuruman, Loriesfontein, Loxton, Nieuwoudtville, Prieska, Springbok, Upington

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 undergodebt review:

No up front 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.

We have been preventing repossession of vehicles and property for more than 10 years and will not allow any slip ups when it comes to your assets Debt counselling and debt review will prevent repossession of vehicles and property.

 

We are discreet and professional. This will ensure that your application for debt review and debt counselling the Northern Cape will be treated without prejudice

Help with Debt the Northern Cape

(073) 053 7756

(012) 752 9457

nfo@helpwithdebt.co.za

the Northern Cape

Monday to Friday 08:00 to 16:30

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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 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 – 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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What is debt counselling – video

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.

The consumer contacts a registered Debt Counselor 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.

All requested documentation as on the application form is supplied by the consumer within 5 days of signing the form 16.

With the information and supporting documents supplied by the consumer the debt counselor 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

A formal analysis is done by the Debt counselor 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 counseling 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.

If the consumer is indeed over indebted according to the above method all creditors would be informed of this for their record.

The restructuring process can now begin. The Debt counselor 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.

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 counselor acted in terms of the Act and subsequently restructured the debt accordingly.

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.

The Fee structure:

Debt counselors are entitled to a maximum of R6000 plus VAT for single applications

The Act allows for the following payment of Debt counselor fees as well as Legal fees.

The first payment made by the PDA will pay the debt counselors 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.

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 counselor 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 counselor is entitled to a 5% after care fee not exceeding R400.

 

Debt review and debt counselling Mpumalanga​

Debt review and debt counselling Mpumalanga
Help with deb t 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

Debt review and debt counselling Limpopo

skuldberading suid afrika

 

Debt review and debt counselling Limpopo

Help with debt assist clients 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

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