About Debt Counselling SA
Financial hardship is a part of life and everyone experiences the hurdles of debt at some point of their financial journey.
The importance lays in the way in which the individual chooses to deal with said debt. Debt Counselling SA is here to help you make the right choices.
How we can help you
Being overwhelmed by debt is not a feeling uncommon to many South Africans which is why we at Debt Counselling SA are dedicated to providing expert advice for those who find themselves enslaved by debt. The road to recovery will not be easy but we can help you to regain control of your finances and greatly reduce the financial pressure you are experiencing.
You can become debt-free
Our team of financial advisors work hard to create individual and unique debt management plans for each client. Everyone is different which is why we also take the time to understand the uniqueness of every client’s circumstances. If you are ready to become debt-free, then we are ready to provide you with the means to get there.
What Debt Counselling SA can offer you
Debt recovery is easy with our extensive range of nifty products.
The course of recovery that is ideal for your circumstances will be determined by the financial advisor assigned to your case.
Why you should use debt counselling
When you have agreed to undergo debt counselling, trained experts will assist you with debt consolidation. Part of the process involves them negotiating with your creditors to arrange a suitable repayment plan; this can be done by either negotiating a lower repayment rate, a reduced monthly repayment or by extending your repayment period.
We provide expert advice
The counsellor will also work closely with the client to assist them in understanding the cause of their debt and providing advice on how to deal with future debt so that the client does not end up in the same boat again. The best advantages are that you will experience financial relief and not have to worry about constantly missing repayments and further indebting yourself.
Debt Counselling SA Product Details
- Loan Type Debt counselling
Get the help you need with Debt Counselling SA
At the end of the day, it is your choice whether or not you want to undergo the debt counselling process.
But, when you feel like you have nowhere to turn, then Debt Counselling SA will always be here to provide you with a shoulder to lean on.
What being over-indebted entails
The term ‘over-indebted’ is fairly new to the debt game but is essentially a term given to those who find themselves in great financial trouble. If all monthly expenses have been deducted from the salary of the client and not enough money remains to repay debts, then the client is considered to be over-indebted. At this point, the client can apply for debt counselling and will likely be placed under debt review in order to reduce the monthly repayments to an affordable amount.
The advantages of debt counselling
There are a variety of advantages to obtaining debt counselling with the most obvious being that it is a route to financial freedom. The client will also not receive a permanent record of going under debt review; so, it is basically an opportunity for an individual to start off fresh on a clean slate. The counsellor will be with you every step of the way and will assist you in developing a budget so that you are able to better manage your finances in the future.
Who is able to apply for your services?
Debt Counselling SA has no restrictions on who can apply for our services. So long as you have a steady income and are capable of making the minimal repayment obligation that we have negotiated, then we will be happy to assist you.
How can I apply for your services?
To apply for our expert services all you need to do is complete the online application. It is as simple as visiting our website and following the prompts of the application. If you have any questions, feel free to contact us and we will be happy to clear them up for you.
Will my assets be safe during this process?
While under debt review or debt counselling, creditors will not be able to claim your assets or declare you blacklisted. The client will enjoy full protection from creditors and, if the creditors do contact you, all you need to do is involve your counsellor and they will take it from there.
Customer Reviews & Testimonials
It is truly amazing to be able to start my life over again. This time I know better than to make the same mistakes as last time.
— Welkom —
Thanks to the lovely assistance at Debt Counselling SA I am not only debt-free but also financially confident. Thank you for your assistance.
— Butterworth —
Debt Counselling SA Contact Details
- 93 Pienaar Rd, Milnerton Cape Town Western Cape 7441 South Africa
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- Monday 08:30 – 17:00
- Tuesday 08:30 – 17:00
- Wednesday 08:30 – 17:00
- Thursday 08:30 – 17:00
- Friday 08:30 – 17:00
- Saturday – Closed
- Sunday – Closed