If  you need Debt Counselling Gauteng, we are here to help you.

Today could be start of your journey to financial freedom. All it takes is a few simple steps.

If you have spent the past months or years struggling to pay your rent, buy groceries, and provide for your family’s other basic needs because you are forced to spend most of your income on paying off your debts, we feel for you. And we are here to help.

Debt Counselling Gauteng will allow you to regain control of your finances and break free from debt. The best part is you can begin the debt review process today.

Debt Counselling in a Snaphot

Debt Counselling, also known as debt review in Gauteng  is a formal financial relief program that aids overindebted South Africans to pay off their debts by reorganizing the terms of their debt repayment plans, allowing them to pay off their debts over a longer period of time and in smaller installments.

Debt review is a safe, formal, and national financial program that has helped thousands of South Africans like yourself.

How to start debt counselling

Debt review is reserved for individuals who are overindebted. That means your monthly debt obligations are so high that you cannot afford to pay for you essential needs like shelter and food after you meet your monthly debt obligations.

Over-indebted?

You may not be overindebted if you

• Have expensive non-essential items you can sell (cars, jewelry, properties)
• Live above your means
• Manage to pay for your essential goods but don’t have money for recreational and luxury items

Contact us and apply

If you have determined that you might be overindebted you can begin the process of applying for debt review.

• Reach out to one of our certified debt counsellors in Gauteng for a consultation
• Fill out and submit the official debt review application form along with supporting documents like credit statements, income proof, etc
• Your debt counselor will request verifying documents from your bank and creditors
• If you are deemed overindebted, your debt counsellor will prepare a restructured payment plan proposal
• If the restructured payment plan is approved by your creditors and/or the magistrate, then you will officially be under debt review

Why debt review?

If you are overindebted, debt review is often the best option to get back on track. While you are under debt review you are entitled to several legal protections which provide both financial and psychological relief.

Here are just a few ways debt review will help you:

• Creditors cannot repossess your property or pursue other legal action against you
• Your debt counselor will negotiate with your creditors on your behalf
• Access to one consolidated debt payment system
• Lower monthly debt repayment installments
• If you complete debt review successfully, your poor credit history is erased

Join thousands of South Africans who have achieved financial freedom

Contact one of debt counselors  in Gauteng today to discuss how debt review can kickstart your journey to living debt free.