HELPING SA's DEAL WITH OVERWHELMING DEBT
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Frequently Asked Questions
What is debt relief services in South Africa?
Debt relief services is a practice that helps individuals that are struggling to repay their debt through a regulated process that offers various benefits that can help alleviate the pressures of over-indebtedness.
The NCA introduced debt counselling as a debt relief measure in 2007 as part of the National Credit Act 34 of 2005 and appointed National Credit Regulator (NCR) as the governing entity.
Before the National Credit Act, 34 of 2005 took effect, South African consumers were at risk of being exploited by unethical credit providers, misinformation and a lack of effective regulation. Impacting all players in the credit industry, the Act also aspires to develop a more accessible, fair and non-discriminatory credit market in South Africa.
So how exactly does this debt relief service help over-indebted South African consumers?
1 - By creating a detailed debt repayment plan
2 - By providing budgeting assistance and financial advice
3 - By promoting financial literacy and rehabilitation
How debt relief services work
Known as one being one of the best (and safest) ways to overcome debt, a debt relief service is the process of working alongside a debt counsellor to consolidate and repay your debts as outlined in a structured repayment plan.
A debt relief service is a rehabilitation programme established by the National Credit Act Act 34 of 2005 with the purpose of assisting over-indebted South African consumers.
Here is the debt relief process step by step:
1. Gather your financial documents for assessment
2. Contact a registered debt counsellor
3. Apply for debt review
4. Confirm the debt repayment plan and begin the repayment process
5. Complete debt review
6. Congratulations, you’re now debt-free!
HOW DO I AVOID BEING BLACKLISTED?
► Pay all your accounts monthly before the due date as arranged with your creditors when opening the account
► Notify all your creditors of a change of address.
► Attend to legal documents and letters immediately.
► Should you be unable to pay your debt, contact your creditor immediately to make suitable arrangements and keep to these arrangements. Where possible have your creditor confirm the new arrangements in writing and keep the correspondence for possible future reference.
► NB: Be careful of what you sign. Peruse documents first and contact us for assistance should you require advice
Our NCR Accredited Partner, with an Expert Legal Team, helping South Africans on their journey to IMMEDIATE Debt Relief!
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*Results may vary from person to person. A reduction in debt is based on the performance of debt cases administered by our debt solution providers. Results depend on personal circumstances and the successful completion of the chosen solution. Results are not guaranteed and will be looked at on a case by case basis.
The Consumer Guide is a trading name of Big Domino Marketing (PTY) LTD, registered in South Africa.
There are sources of free debt advice and services which will vary depending on which organisation you contact. You can find out more by contacting the NCR on 0860 627 627 or by visiting their website at www.ncr.org.za. Their opening times are 8.00 to 17.00 Monday to Friday.