and take the first step to financial freedom
Debt Counselling is a legal solution aimed at aiding consumers who find themselves in a situation of excessive debt, where they are unable to manage their monthly financial obligations and living expenses concurrently. If you are facing this predicament, you have the option to apply for our Debt Counselling Umhlanga Rocks service, and we will assist you in eliminating your debt permanently.
How does the debt counselling process work? We will start by connecting you with a qualified debt counsellor registered with the National Credit Regulator. This expert will assess your income, expenses, and outstanding debts, subsequently negotiating with your creditors to lower your monthly payments and interest rates. As a result, you will receive a customised Debt Repayment Plan that aligns with your budget, enabling you to pay off your debt within a reasonable timeframe. Our Debt Counselling Umhlanga Rocks service also manages all legal matters and communication with your creditors.
Throughout the debt counselling period, you are protected from any legal actions that your creditors might take against you, such as seizing your assets or garnishing your wages. You won’t need to communicate directly with your creditors, as we handle all interactions on your behalf. Your sole responsibility will be making a single monthly payment to a Payment Distribution Agency, which will then disburse the funds to your creditors by the agreed plan. Furthermore, our Debt Counselling Umhlanga Rocks service also investigates whether any of your creditors extended credit recklessly, meaning they failed to assess your ability to afford it. If this is the case, we can assist.
Our Debt Counselling Umhlanga Rocks service is available online, but you can also visit our offices in Cape Town City. We are open during regular office hours and are fully prepared to help you regain control of your finances. Don’t allow debt to ruin your life; apply for our Debt Counselling in Umhlanga Rocks today and anticipate a more promising financial future!