Debt counselling is a service offered to individuals in personal debt stress, which occurs from an inability to control financial choices either due to a lack of understanding, or circumstances beyond control, but results in many negative social, psychological and emotional behaviours which ultimately detrimentally affect the individuals’ well being and ability to function normally. Consumers become over-
Our services include:
Protection under consumer legislation
From the time a consumer applies for Debt Review, Legislation is imposed to protect their consumer credit rights. With very little exception, credit providers become compelled to cease further action, comply with requirements, abide by rules and co-
Peace of Mind
agreements. This make it legally possible to pay reduced debt instalments, within a reasonable period of time at reduced interest rates, providing consumer peace of mind from receiving the “next dreaded phone call” and not being able to suitably satisfy the obligation. A simple confirmation of the debt counsellor details redirects the matter to us – the third party.
A sense of control
Together our clients, Di-
A sense of achievement
It was usually a clients intention to pay, when they agreed to borrow. By proper budgeting and careful planning, each debt is repaid in full, providing the contribution of the paid up debt to be re directed to all remaining debt. Credit worthiness and credit reputation are kept in tact. Having gained knowledge and experience, the consumer will be empowered to make informed decisions about future purchases.
A sense of pride
When you have repaid your debt, your debt counsellors clearance certificate is the assurance to all credit providers that you have met your obligations in full, and that they can once again offer you credit.
Our clients can also attend pre-
Some of the topics we present are:
Often the reason why consumers are not able to qualify for credit is because their Credit Bureau Records reflect historical adverse information, which negatively influences the credit providers decision to extend credit.
We assist our clients by: