Process

Step 1.

You Contact us and we have a free consultation via the telephone or in person

Step 2.

You complete an application form and we determine whether you are are over-indebted, in other, does your monthly expenses exceed your monthly income ?

(You have to be over-indebted to qualify for Debt Review)

Step 3.

If you are, we will request your ID, proof of residence, 3 months bank statements and salary slip.

Step 4.

If you are over-indebted, we shall inform all your Credit Providers and the Credit Bureaus that you are under Debt Review. Your Credit Providers will also be requested to provide us with a Certificate of Balance (COB) in respect of your accounts.

Step 5.

We will restructure your payment plan and negotiate with your Credit Providers where necessary. After negotiations with your Credit Providers, your new restructured payment plan will be sent to all your Credit Providers in order for them to accept.

Step 6.

The restructured payment plan will be made an order of court. You will not have to appear in court yourself, as your Debt Counsellor will be the applicant in the matter, unless the particular magistrate requires your presence.

Step 7.

Client makes one affordable payment each month which gets distributed to creditors.

Step 8.

Client receives clearance certificates once all debt debts are paid.