Debt counselling and Debt review 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

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

Professional Debt Counselling by NCR registered Debt counsellors – Mpumalanga

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

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

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

 

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

Professional Debt Counselling by NCR registered Debt counsellors – South Africa

 

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

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

 

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

Pretoria debt counselling and debt review Port Elizabeth debt counselling and debt review, Pietermaritzburg debt counselling and debt review, Benoni debt counselling and debt review, Tembisa debt counselling and debt review, Vereeniging debt counselling and debt review Bloemfontein debt counselling and debt review, Boksburg debt counselling and debt review, Welkom debt counselling and debt review, East London debt counselling and debt review, Krugersdorp debt counselling and debt review, Botshabelo debt counselling and debt review, Brakpan debt counselling and debt review, Witbank debt counselling and debt review, Richards Bay debt counselling and debt review, Vanderbijlpark debt counselling and debt review, Verwoerdburg debt counselling and debt review, Uitenhage debt counselling and debt review, Paarl debt counselling and debt review, Springs debt counselling and debt review, Somerset West debt counselling and debt review, Klerksdorp debt counselling and debt review, George debt counselling and debt review, Midrand debt counselling and debt review, Westonaria debt counselling and debt review, Middelburg debt counselling and debt review, Vryheid debt counselling and debt review, Orkney debt counselling and debt review, Kimberley debt counselling and debt review, Nigel debt counselling and debt review, Bisho debt counselling and debt review, Randfontein debt counselling and debt review, Worcester debt counselling and debt review, Rustenburg debt counselling and debt review, Pietersburg debt counselling and debt review, Potchefstroom debt counselling and debt review, Brits debt counselling and debt review, Virginia debt counselling and debt review, Nelspruit debt counselling and debt review, Phalaborwa debt counselling and debt review, Queenstown debt counselling and debt review, Kroonstad debt counselling and debt review, Bethal debt counselling and debt review, Potgietersrus debt counselling and debt review, Mabopane debt counselling and debt review, Stellenbosch debt counselling and debt review, Stilfontein debt counselling and debt review, Delmas debt counselling and debt review, Grahamstown debt counselling and debt review, Warmbad debt counselling and debt review, Louis Trichardt debt counselling and debt review, Dundee debt counselling and debt review, Piet Retief debt counselling and debt review, Phuthaditjhaba debt counselling and debt review, Bethlehem debt counselling and debt review, Umtata debt counselling and debt review, Sasolburg debt counselling and debt review, Mmabatho debt counselling and debt review, Oudtshoorn debt counselling and debt review, Standerton debt counselling and debt review, Upington debt counselling and debt review, Parys debt counselling and debt review, Saldanha debt counselling and debt review, Barberton debt counselling and debt review, Lichtenburg debt counselling and debt review, Heidelberg debt counselling and debt review, Knysna debt counselling and debt review, Graaff-Reinet debt counselling and debt review, Fochville debt counselling and debt review, Atlantis debt counselling and debt review, Stanger debt counselling and debt review, Fort Beaufort debt counselling and debt review, Heilbron debt counselling and debt review, Viljoenskroon debt counselling and debt review, Port Shepstone debt counselling and debt review, Vryburg debt counselling and debt review, Wolmaranstad debt counselling and debt review, Temba debt counselling and debt review, Balfour debt counselling and debt review, Mondlo debt counselling and debt review, Aliwal North debt counselling and debt review, Thohoyandou debt counselling and debt review, Volksrust debt counselling and debt review, Wesselsbron debt counselling and debt review, Ceres debt counselling and debt review, Ermelo debt counselling and debt review, Senekal debt counselling and debt review, Thaba Nchu debt counselling and debt review, Frankfort debt counselling and debt review, Ekangala debt counselling and debt review, Giyani debt counselling and debt review, Stutterheim debt counselling and debt review, Harrismith debt counselling and debt review, Malmesbury debt counselling and debt review, Theunissen debt counselling and debt review, Margate debt counselling and debt review, Butterworth debt counselling and debt review, Lebowakgomo debt counselling and debt review, Cradock debt counselling and debt review, Richmond debt counselling and debt review, De Aar debt counselling and debt review

 

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.

 

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

Debt review and debt counselling Mpumalanga​

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

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

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

Good vs Bad debt counsellors

What is the difference between a good debt counsellor and a not so good debt counsellor.

Clients often don’t have a choice as to who they will use to do their debt counselling and debt review. Many clients think that it is needed to see only a debt counsellor in their area. This is not the case. You can consult with any debt counsellor about your application for debt review and debt counselling. Next question. How is this possible if my debt counsellor is in Johannesburg and I am in Cape Town. Easy answer. The internet and phone lines. With today’s technology and fast paced lifestyle the process of debt counselling and debt review can be done without the client and the counsellor ever having to meet face to face. We here at Help with debt, with our extended family of friendly consultants, always like to have a more personal experience with our clients.

Let’s get to the point.

How do you know which Debt counsellor to choose to handle your application for debt review and debt counselling?

Firstly you have to make sure that the said debt counsellor is registered in terms of the National Credit Act and with the National Credit regulator. This can be done by contacting the NCR or visiting their website.

You must then make sure that the debt counsellor who will be handling your application actually wants to handle the application rather then just handling the fee you have to pay him. This is absolutely crucial. This debt counsellor will be “in charge” of your debt repayments for a long as you allow him to be. If he is only after the fee, he will not ensure that your creditors get paid according to the restructured agreement. He might forget to remove a paid up creditor and allow you to pay that creditor more than he deserves. Altogether, this debt counsellor might forget about your file entirely. Where does that leave you? Right where you are now.

Why is Help with debt, debt counsellors different?

• We provide a complete analysis of all your income and expenses to ensure that the amount you have to contribute to the Pda is the right one for you, not us
• We ensure that we provide you with a good budget and help you to stick to that budget
• We make sure that we look at your payments as they go through. This way we can keep track of all payments and “soon to be paid up” accounts.
• We would like to help you understand the rights you have as a consumer and educate you in handling your finances better so that you don’t become trapped in debt again.
• We want you to call us as much as you like to find out whatever you want.
• 
  Name(required)

  Email(required)

  Website

  Comment(required)

  Submit

  Δ

How long to wait for debt counselling

 

We often get the following scenarios that can have the result that debt counselling and debt review actually outs you off much worse than your current situation. What happens if consumers wait too long after they realise that they are in financial distress before they apply for debt counselling and debt review. The answer is very simple yet there is a complex reasoning behind the answer.

If you leave your accounts to get so far in arrears and then apply for debt counselling, Help with debt, debt counsellors cannot guarantee that we will be able to lower that specific repayment. The reason being is that your creditors are forced to first bring your arrears amount up to date before they can start paying off your capital. Furthermore, the National Credit Act only allows consumers under debt counselling and debt review to extend certain agreements for a maximum period. This is also dependant on the age of the agreement. For instance, if you have only a few months left on your original contract term but you are in arrears with almost half the agreed amount, the period cannot be extended so much that you will benefit from debt counselling. I had a new client today that was more that 22 months in arrears with a finance agreement that only had 8 months (original) contract term left. The result was that the restructured payment for that account was almost R200 more than his original instalment.

This brings me to my next example. Normally if I get clients that are not in arrears with accounts but foresee a difficult financial future, I am almost guaranteed to more than halve their payments.

Bottom line. The sooner you make a plan to sort out a dismal financial situation, the better. Banks and other credit providers respect clients that are precaution and make arrangements through debt counselling and debt review sooner than later. If the credit providers have to phone trace and keep on asking you for money they will view you as a risk.

If you feel that you need some more information on the process of debt counselling and debt review, please do not hesitate to contact us.

Help with debt!

Name(required)

Email(required)

Website

Comment(required)

Submit

Δ

Quick debt counselling process explained

The debt counselling and review company of Help with debt offers a debt counselling and debt review services to all South Africans, where we offer HELP to clients struggling to meet their full monthly debt repayments and as a result struggle to survive. As a part of our debt counselling and debt review services, we help over-indebted clients restructure their total debt obligations in a way which is affordable to them, as assessed by the HELP WITH DEBT, debt counsellor in charge of the application. The Application for debt review and debt counselling will be conducted in terms of the National Credit Act no 34 of 2005, as well as governance by the National Credit regulator (NCR).

The HELP WITH DEBT, debt counsellor will:

•             perform the debt review process,

•             prepare a restructured payment plan for client

•             and then propose this to their credit providers for acceptance.

Our well-organized admin team will notify all your credit providers that you have applied for debt review and debt counselling, and then negotiate a restructuring new payment plan with all your credit providers. The objective of this process is to obtain a consent order from the court to start paying debts as agreed by all parties involved. If credit provider disagrees with the restructure plan, and cannot propose a reasonable counter-offer, then the case will be referred to a magistrate’s/tribunal court and our attorneys’ will defend your matter in court.

We look forward to help you in creating a better cash flow for your living conditions to better.