A trained debt counsellor or advisor will work with you to assess your financial situation, develop a budget, and create a debt repayment plan. The goal of debt counselling is to provide individuals with the tools and support they need to regain control of their finances, reduce their debt burden, and avoid bankruptcy.
Let us help you restructure your debts into one consolidated, affordable payment, reducing interest rates and freeing up your cash flow.
We inform your creditors that you are committing to the debt relief process and negotiate with your creditors to reduce your monthly instalments and interest rates.
We help you set up one monthly instalment to repay all your debt, making your repayments affordable and convenient. An independent payment distribution agency will distribute the payment to all your creditors.
When your debt repayments are finished, you will receive a clearance certificate, and all the credit bureaus will be updated to reflect a clear credit record. This will let you access credit again and live financially free!
We negotiate with your credit providers to get you a settlement discount on all your types of debt.
We help with the removal of adverse information on your credit report, such as defaults, judgements, or administration.
We collaborate with Corporates to assist with staff financial wellbeing. This includes teaching effective budgeting techniques, restructuring employee debt and advice on building an attractive credit score.