Debt Counselling

Debt Assist
Debt Counselling
Following our debt advice process, if needed we will refer you to our panel of external Debt Counsellors. Debt Counselling is a legal process, where you apply to have your debt restructured so that you can make everyday payments and still be able to pay off your debt at a reduced instalment amount.

The Debt Counsellors will take care of your debt restructuring process for you, which will result in seeking a consent order for new payment agreements in court. This consent order will ensure your creditors stick to the new repayment arrangement and they may not take legal action against you.

Remember: There is no guarantee that your creditors will agree to the proposals made on your behalf by the counsellor. In that case, an application will have to be made to a court to force your creditors to accept less than what they want, in line with your financial circumstances.

If some of your creditors have taken legal action for late payment or non-payment of your accounts, those debts cannot be included under the debt counselling processes, unless the creditor agrees.

How can Debt Assist help?
  • Our Debt Assist department is operated by professionals and can refer you to registered Debt Counsellors, attorneys and experienced negotiators
  • We guarantee confidentiality
  • Negotiate payment arrangements on your behalf and assist by asking for extensions to avoid repossession of your assets or assess if sequestration may be the best option to relieve your financial stress
  • We offer you access to unlimited advice, from budgeting to taking out loans
  • We offer protection from being harassed and pressured by credit providers and debt collectors
  • We’ll help you restore and improve your credit record profile

You will pay what you can afford and maintain a dignified lifestyle

If anyone has intimidated you into signing any acknowledgement of debt, or you simply need us to help you, please contact us on 0860 587 587 or SMS "Debt" to 31690

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Debt assistance includes the following services
Overview
Debt doesn’t have to be forever. We’re here to offer you support and knowledge to get you back on track with your finances
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Debt Advice
The first step in managing your debt is understanding your personal financial situation so you can learn how to better use your money in the future.
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Credit Report
Our Debt Assist experts can help you by communicating directly with the Credit Bureau on your behalf. They will also help you find an affordable way to pay off your debts.
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Garnishee
If your salary is being garnished, don’t panic. Our Debt Assist experts can help you reach a settlement and reduce your monthly payments.
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ADR
This is the process where we will help you reach a suitable arrangement with the creditor’s representative, or negotiate to settle your debts in order to avoid litigation.
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Repossessions
Our Debt Assist experts have the knowledge and experience to investigate the actions carried out by the creditors and help you avoid repossession.
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Debt Counselling
Following our debt advice process, if needed we will refer you to our panel of external Debt Counsellors. Debt Counselling is a legal process, where you apply to have your debt restructured so that you can make everyday payments and still be able to pay off your debt at a reduced instalment amount.
Learn more