[Our offices are based in Hout Bay]

How can Debt Review assist you?

When your debt repayments become too much to handle on your own, speaking to a Debt Counsellor will help you find a solution that rearranges your monthly debt repayments in a way that will make them become affordable on your present income.

As a registered Debt Counsellor I will help you assess your situation, outline a new payment plan, negotiate with your creditors on your behalf, set realistic monthly payments and arrange to reduce your interest rates to a level that will make this become possible. There is no charge for meeting with a Debt Counsellor. At this initial meeting the cost of registering for Debt Review will be fully explained to you before you make any decision on whether you wish to proceed any further. It is your choice to decide whether you wish to continue and there is no charge for this confidential advice.

If you decide to apply for Debt Review you are fully protected from any further legal action, by the National Credit Act, which also regulates the Debt Counsellor's code of conduct.

Debt Review process

  1. Financial Assessment:
    When reviewing your current financial position the first step is the confidential meeting with the debt counsellor. He will review your current income and expenses, and determine a realistic budget that you can afford. This meeting will try to find a way in which to restructure your budget to make it become affordable.
  2. Budget and debt repayment:
    By following a method of guided budgeting, the Debt Counsellor will help you determine the way to make ends meet under your current monthly income. A monthly spending plan is created which enables the settling of your outstanding debts while still leaving you enough over to meet your normal monthly living expenses.
  3. Help with your creditors:
    Most Credit Providers are usually more willing to co-operate with a consumer if he or she is talking to a Debt Counsellor. I will help you restructure a repayment plan with your creditors that you can afford to pay.
  4. Setting new financial goals:
    The Debt Counsellor will help you find a new monthly payment plan based on your current income which will allow you plan for a debt free future.

credit regualtors

Get In Touch

E-mail: graham@debtresolutions.co.za or phone me on 083 277 2228 to arrange a confidential appointment to discuss your financial solutions. I will help you restructure a repayment plan with your creditors that you can afford to pay.