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How it Works

We are Registered Debt Counsellors - professionals trained to help you manage your debt.


We protect you from legal action and negotiate with your creditors on your behalf for lower monthly payments by reducing the interest, and come to an agreement that ensures that they receive regular payments from you, and that you are still able to cover your living expenses. It's a win-win situation.

 

We will conduct an independent enquiry into your financial circumstances and make recommendations to Credit Providers and the courts concerning restructuring your debt or even suspending "reckless" credit agreements.


You may find that you are not actually be "Over-Indebted" and that you qualify for "Debt Review", in which case we will assist you to work out an effective monthly budget which will enable you to repay your debt effectively.

How Debt Counselling Works in a nutshell

The Process in

a Nutshell

  • The first step to free yourself from debt is to contact us.
     

  • We will send you an application form to complete.
     

  • As soon as this is submitted you will be registered and protected.
     

  • We will notify all your creditors and they will send us a COB (Certificate of Balance).
     

  • We negotiate a debt repayment plan with your creditors.
     

  • No need to go to court – we will approach and obtain a Debt Restructuring Court Order on your behalf.
     

  • We will keep you in the loop every step of the way.

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