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With Debt counselling, you will only have a single reduced payment to make towards all your debts. This will eliminate the need to pay several credit providers, collection agency and/ or attorneys.

Reduced interest rates more money to your actual debts. With our debt counselling service, we will reduce all high-interest rates and you will be saving money on reduced interest rates. Reducing high-interest rates is one of the main advantages of debt counselling. With the same monthly payment, paying your debt at a lower interest rate ensures that the principal debt gets allocated more money each month. Your outstanding balance with your credit provider decreases far quicker than opposed to making a payment arrangement without the help of a debt counsellor. 

If you have too many accounts to pay all at once debt counselling will make the process of negotiations very easy. We as a registered debt counsellor main function is to negotiate and to decrease the monthly amount due to all credit providers. We do this by extending the repayment period for each loan and credit agreement. As the term increases and for the debt to solve in a certain period, credit providers are very willing to reduce those high-interest rates. These reduced interest rates will enable our customers to pay off their debt with a decreased and inexpensive instalment each month.

In most instances, consumers with debt problems will experience overwhelming psychological problems. For these, over-indebted consumers the income generated each month is not enough to service their debt. This can affect their emotional well-being. The hidden benefits of debt review will relieve this stress immediately and will have a beneficial impact on mental health.

The debt review program will ensure there is enough money each month to pay for living expenses. This program ensures there is enough money to cover all debt obligations in one reduced instalment. Covering living expenses and debt will assist in easing unnecessary stress. Having a plan and a goal in motion will ensure that there is regular progress on reducing debt. This will be an important motivator to take further beneficial steps to reduce debt.

The physiological advantages can be positive if stress from having bad debt gets reduced. Stress was associated with deteriorating health circumstances, including obesity, cardiopathy, Alzheimer's, diabetes, anxiety and asthma. Stress reduction can make you feel better.

You will enjoy legal protection against vehicle repossessions, home loan foreclosures, garnishees orders and expensive court proceedings

Debt Counselling is much cheaper than administration and sequestration. No hidden costs. All fees are charged in accordance with the National Credit Act (NCA) No Additional debt counselling fees.