How The Debt Review Process Works

Reach out to us via phone, email, or WhatsApp for a brief 15-minute conversation. During this initial contact, we'll:

• Understand your current financial situation
• Explain the debt review process in detail
• Answer your questions and address concerns
• Provide a preliminary assessment of your eligibility

You'll securely share your financial information with us for a comprehensive assessment. We'll need:

• Recent payslips (last 3 months) and bank statements
• Details of all debts, creditors, and account numbers
• Copy of ID and proof of residence
• Monthly expense details (rent, utilities, groceries, etc.)

Our expert debt counsellors will analyze your information to determine if you qualify as over-indebted according to the National Credit Act. We'll calculate your debt-to-income ratio and assess your ability to repay.

Our team creates a customized debt relief strategy specifically for your situation. This includes:

• Detailed budget analysis showing income vs. expenses
• Proposed reduced monthly payment amount
• Estimated time to complete debt repayment
• Clear breakdown of all fees involved

We'll present this plan to you and ensure you fully understand every aspect before proceeding. You're in control - nothing moves forward without your approval.

Now we do the heavy lifting on your behalf. Our experienced team will:

• Contact all your creditors and present the repayment proposal
• Negotiate reduced payments and interest rates where possible
• Submit the repayment plan to court for legal approval
• Obtain a court order making the plan legally binding
• Stop all creditor harassment and legal proceedings

During this phase, you're protected from legal action. Creditors can no longer contact you directly or repossess your assets. All communication goes through us.