Your debt repayments can include a monthly bond payment, vehicle, furniture and clothing accounts, as well as paying back personal loans and credit card instalments. If you aren’t making it through the month with your debt and living expenses, it is likely that you need to reassess your finances and seek out financial relief. All of your monthly expenses are taken into consideration when you work out your expenses on our Debt Saving Calculator, which also works out how much you will save monthly when you undergo the Debt Counselling process.

As an over-indebted consumer facing the strain of financial obligations that are too high for you, we will do everything we can to help you overcome your debt problems, starting with a reliable and transparent Debt Counselling service. If you cannot afford to repay what you owe in a month and dread phone calls from creditors who demand payment, you may feel like there is no way out – Debt Counselling is a legally sound debt relief measure afforded to struggling consumers who are found to be over-indebted. To know if you qualify for Debt Counselling, simply get in touch with our team at Debtco Group for a free affordability assessment.

Our Debt Counselling service has made a positive impression in the lives of so many struggling individuals. Approved by the National Credit Regulator of South Africa, Debt Counselling works by restructuring your debt repayments in such a way that you can afford to maintain them. Our team will negotiate with your creditors on your behalf, for reduced monthly instalments and interest rates for you – once we’ve determined what you can afford, we’re able to offer you a new repayment plan that you can actually keep up with. Don’t worry about your creditors – while undergoing Debt Counselling, you are protected from the legal implications that are associated with your debt, and you can rest assured that your creditors will no longer contact you for monies owed.

Start by working out what you owe your creditors, what your income allows for and how much you can save by using our Debtco Group Debt Saving Calculator. When using our online calculator, you can start to understand where your money goes each month, and you can also see where you’ll save if you decide that Debt Counselling is the right choice for you.

Read Less