South Africa is full of companies that make promises they can’t keep, and sadly, this is especially true within the financial industry, specifically around debt. When it comes to your money, you should be working with a business that’s committed to seeing you live debt-free. And one that’s qualified to achieve this alongside you. What you’re looking for is accredited debt counselling services, and we’re pleased to say that you’re in the right place.
We Are National Debt Counsellors
Our team of Debt Counsellors are registered with the National Credit Regulator and offers you a free, no-obligation assessment of your financial situation. We’re committed to working alongside you to achieve your debt-free status.
All you need to do to begin this journey with us is simply apply for debt counselling through our website.
The process is much simpler than you might expect. It is summarised in a few easy steps:
Step 1: Request a Free Consultation
One of our professional consultants contacts you and takes you through a free, no-obligation financial assessment to determine whether you’re over-indebted. This process is completely confidential!
Step 2: We Notify Your Creditors & Negotiate a New Payment Plan for You
If you are indeed over-indebted, we then notify your creditors that you’ve applied to go under debt review. From here, you and your assets are immediately protected under the National Credit Act. We also negotiate your loan agreements with your credit providers and restructure your repayments to an amount that’s affordable for you.
Step 3: Pay a Single, Affordable Monthly Instalment
Once we’ve handled the above steps for you, you begin paying one easy monthly instalment via an accredited PDA (Payment Distribution Agency). This will distribute the funds to your credit providers.
Step 4: We Make the Approved Plan an Order of the Court
Our panel of Attorneys apply to the Magistrates Court on your behalf to make your restructured repayment plan an official order of the court. This ensures you remain protected during the process.
Step 5: Your Debt is Paid Off and Your Credit Record is Clear!
Once all your debt is repaid, we issue you a clearance certificate and notify the credit bureaus to clear your credit record. You are now able to live in financial freedom!
The Advantages of Debt Counselling with National Debt Counsellors
If you’re still on the fence about the process, let’s look at some of the benefits of working with us to clear your debt:
No More High Amounts
Your monthly repayments are reduced to an amount you can afford. This helps you step out of debt and into financial freedom.
We Cover You (and your goods)
We provide immediate protection to you and your assets, including your house and car.
We’re the Ultimate Middleman
We negotiate with your credit providers directly, so you don’t receive any more harassing phone calls.
More Peace, Less Stress
We negotiate lower interest rates on your behalf, and we extend your repayment terms. This means you get a bit more breathing room as you begin moving towards more financial stability.
We’re Comprehensive from Start to Finish
Once you’ve cleared your debt, we apply to clear your credit report. So, all you must do throughout the process is make your payments. We do everything else on your behalf!
In summary, to live debt-free is the goal, and with National Debt Counsellors’ accredited debt counselling services at hand, this becomes possible!
