Debt Advice

Debt Assist
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.

In order to find quick and effective solutions to your debt concerns, contact Debt Assist as soon as possible so we can help you.

SMS "Debt" to 31690 and we'll call you back.

Included in our legal plans

We care about our clients and want to give you a guiding hand wherever the path of life leads you. For this reason, Debt Assist is included in our legal plans.

Our Debt Advice service can help you with
  • Lifestyle advice: We can help you cut down on your daily expenses, such as commuting costs and groceries, in order to increase the amount you save and pay off your debts faster.
  • Budgeting guidance: Is your income less than your expenses? Our experts will help you learn about budgeting and how to take control of your finances.
  • Alternative income suggestions: Be it by working overtime or applying for a government grant, our experts will help you find ways to make ends meet each month and still maintain a dignified lifestyle.
  • Reading loan agreements: When it comes to the fine print, make that our problem. Our experts will read through all your contractual documents, making sure all is fair and in order before you sign anything and that you are being charged correctly
  • Lodging disputes with credit providers: We will ensure the process between you and your credit provider/s is a smooth and legal procedure, avoiding any unfair treatment.
Did you know Legal&Tax offers a retrenchment benefit

Legal plan members who have been retrenched from their jobs are entitled to 6 consecutive months’ free plan fees on their policy, provided their plan fees have been fully paid for the previous 12 months.

We will help you with payment arrangements if you are retrenched or struggling to make ends meet.

Alternative Debt Resolution (ADR)

If Legal&Tax finds that the creditors have been unlawful, we can try to lodge a dispute or negotiate extended payment arrangements on your behalf.

Let’s get started on finding the right solutions to your debt concerns.

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Debt assistance includes the following services
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.
Learn more
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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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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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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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.
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