5 easy steps to debt freedom

Your personal debt adviser is ready to help. Your information is kept private and confidential.
Fill in your application form
If you haven’t filled your application (Form 16) you have no protection. You will need: A list of your creditors, A copy of your ID, A recent pay slip, Recent creditor’s statements, Last three months bank statements, Proof of residence, Any legal documentation from creditors.
Your creditors are notified
You are now protected from legal action. Start paying the reduced, provisional payment with your next salary pay date. Your Debt Counsellor will look at your budget and calculate a reduced, provisional payment, with enough cash remaining for your living expenses. Your Debt Counsellor will then notify your creditors that you have opted for debt counselling and your creditor balances will be requested.
Debt repayment plan prepared
Continue to pay your reduced, provisional payment every month. The initial Debt Repayment is a temporary plan, which is sent to your creditors. This avoids unnecessary problems and shows that you are committed to getting out of debt.
Negotiated with creditors
Continue with the repayment of your provisional payment, until your plan has been re-structured. Thereafter your Debt Counsellor will contact you to pay the re-structured amount. We will negotiate with your creditors on your behalf to ensure that a reasonable, affordable repayment plan is agreed to. Based on creditor negotiations, your Debt Counsellor may need to re-structure the plan.
Application for repayment plan to be made court order
Once the court order is issued, you are on your way to a less stressful financial future. An application is made for the Debt Repayment Plan to be made a court order. A specialist legal representative may represent the matter in court on your behalf.

Fill in your application form
If you haven’t filled your application (Form 16) you have no protection. You will need: A list of your creditors, A copy of your ID, A recent pay slip, Recent creditor’s statements, Last three months bank statements, Proof of residence, Any legal documentation from creditors.
Your creditors are notified
You are now protected from legal action. Start paying the reduced, provisional payment with your next salary pay date. Your Debt Counsellor will look at your budget and calculate a reduced, provisional payment, with enough cash remaining for your living expenses. Your Debt Counsellor will then notify your creditors that you have opted for debt counselling and your creditor balances will be requested.
Initial debt repayment plan is prepared
Continue to pay your reduced, provisional payment every month. The initial Debt Repayment is a temporary plan, which is sent to your creditors. This avoids unnecessary problems and shows that you are committed to getting out of debt.
Plan is negotiated with creditors
Continue with the repayment of your provisional payment, until your plan has been re-structured. Thereafter your Debt Counsellor will contact you to pay the re-structured amount. We will negotiate with your creditors on your behalf to ensure that a reasonable, affordable repayment plan is agreed to. Based on creditor negotiations, your Debt Counsellor may need to re-structure the plan.
Application made for repayment plan to be made court order
Once the court order is issued, you are on your way to a less stressful financial future. An application is made for the Debt Repayment Plan to be made a court order. A specialist legal representative may represent the matter in court on your behalf.
Do you want to pay less?
We guide you through debt review, enabling you to make smaller payments that you can actually afford
ITEM | OLD PAYMENT | NEW PAYMENT | REDUCTION |
---|---|---|---|
Property Bond | R5 000 per month | R4 250 per month | R750 |
Vehicle Finance | R3 000 per month | R2 400 per month | R600 |
Retail accounts | R3 000 per month | R1 500 per month | R1 500 |
Personal loans | R2 500 per month | R1 250 per month | R1 250 |
TOTAL | R13 500 per month | R9 400 per month | R4 100 |
ITEM |
---|
Retail accounts |
OLD PAYMENT |
R3 000 p/m |
NEW PAYMENT |
R1 500 p/m |
YOU'VE SAVED |
R1 500 p/m |
Free callback
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