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Debt Counselling | Debt Counsellors SA

Debt Counselling - Needed?  Call Debt Counsellors South Africa
WELCOME TO THE WEBSITE OF DebtCounsellorsSA.com

* We can reduce your monthy repayments between 40% and 60%, giving you the financial break you so desperately need. If you, for example, pay R10 000,00 per month towards creditors for your home loan, vehicle and other accounts, you can have up to R5 000,00 extra, which can really improve your financial situation.

* We can negotiate to reduce or waive all monthly fees on your accounts!

* With new industry rules, provided by creditors, we are now allowed to REDUCE YOUR INTEREST RATES on unsecured loans (personal loans, credit card, store cards, etc) TO AS LOW AS 0%, in some cases, and secured loans (home loan and vehicle finance), TO AS LOW AS 7%, according to the new DCRS (Debt Counselling Rules System) program.

Complete the application form below provided here on our website, and return it as soon as possible, so we can evaluate your situation OR complete your contact information above, and we will contact you as soon as possible. Even if you think your situation is how bad, we will do our best to help.

Debt counselling is FORCED ONTO CREDITORS by the National Credit Act, and they cannot refuse your application, if you make a reasonable offer, to repay your debt.

Since very early times, there is reference to poor and over-indebted people, which has not changed over the centuries. Debtors and creditors are mentioned even in the Bible! The difference however, was that creditors were much more lenient towards debtors during Biblical times. In Exodus 22:25 [God says] “If you lend money to any of my people with you, who is poor, you shall not exact interest from him; If ever you take your neighbor’s garment in pledge, you shall restore it to him before the sun goes down..." The Roman Law provided that a debtor, who failed to make good payments to his creditors, could be “in parti secant” (his flesh could be cut!) or sold into slavery.
 

FORTUNATELY YOU NOW HAVE THE NATIONAL CREDIT ACT TO PROTECT YOU!

If you are debt stressed, don’t feel alone – millions of other consumers in South Africa are in the same situation. Thousand already applied for debt counselling and there is nothing as satisfying for a debt counsellor and his/her client, the day we issue a Clearance Certificate and a client can start with an excellent new credit record and debt free! Will you make the right decision today, to admit you have a debt problem and take the first step, towards financial freedom?

In a study, done by the NCR in 2012, it was found that 3 out of every 5 South African consumers were late with payments on at least one of their debt obligations. Debt Free Digital Magazine, September 2012 issue.

Unfortunately, your debt does not adjust when unfortunate circumstances strike and, even if you earn less than before, or your expenses became more, your debt repayments stay the same. Creditors run businesses and their only concern is to retrieve their money.

In most cases consumers do not become over-indebted by just over-spending. With the recent economy, many consumers are retrenched, there are divorces, a spouse dies, illness, and a lot of other reasons you have not planned for. Nobody applies for credit, with the deliberate intention to never repay.

Unfortunately, it sometimes happens that a person is so caught up in the bad situation, when starting to experience financial difficulty, that he/she starts applying for more credit, in order to repay the previous debt - until all falls apart. Everybody is hoping for that miracle to happen, but we are in business since 2007 and not a single client has won the lotto yet!! Maybe the miracle you have been waiting for is right here in front of you, right now - to apply for debt counselling today!

We have clients under debt counselling, over the total spectrum of life – from cleaners to doctors, advocates and people you would never suspect having financial difficulty. To have debt problems does not make you a bad person, and it can happen in the wink of an eye with any of us. Your application will be handled in total confidence.

You still stay in charge of your own finances and, except for the stoporder/debit order, going to the Payment Distribution Agency, you handle and decide on the rest of your finances. Nobody ever needs to know you have applied for debt counselling.

MAKE SURE YOU ONLY DEAL WITH A NCR (NATIONAL CREDIT REGULATOR) REGISTERED DEBT COUNSELLOR – ASK FOR HIS/HER REGISTRATION CERTIFICATE AND NCR NUMBER.DEBT COUNSELLORS ARE NOT ALLOWED TO RECEIVE YOUR MONTHLY PAYMENTS OR DISTRIBUTE YOUR PAYMENTS TO YOUR CREDITORS. THERE ARE NCR PRESCRIBED FEES, AND DEBT COUNSELLORS ARE NOT ALLOWED TO CHARGE MORE THAN THIS. IF IN DOUBT, SPEAK TO US OR THE NCR FOR ADVICE.
Our debt counsellors are registered since 2007, when debt counselling in South Africa first started, are well trained and activists for consumer rights.

The common law was heavily skewed in favour of the creditors and not much attention was given to the plight of the consumer.
In modern times there has been a gradual shift from these strict rules. More attention is presently being given to the problems of the consumer. The prohibition of over-indebtedness and reckless lending are intended, among other things, to provide more protection for consumers and to bring a balance of power between creditors and debtors.


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