Firstly, your Debt Consultant will need as much information as possible regarding your income and expense budget, as well as your personal information. If you can provide your consultant with a pay slip, bank statement, ID document and information on outstanding accounts (outstanding debt) it will make the process a lot easier and faster.
Your consultant will work with you to develop a reasonable “living expense” budget, (i.e. food, school fees, transport costs, etc.) see how much is available for distribution (debt payments) as well as determine if you are over-indebted. This reduced amount is referred to as your Reduced Instalment amount.