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You’re Fine
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Time To Budget
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Time To Budget
- .elementor-1060 .elementor-element.elementor-element-dc2dd7b{text-align:center;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b > .elementor-widget-container{padding:0px 0px 15px 0px;}
Time To Budget
- .elementor-1056 .elementor-element.elementor-element-e136bc7{text-align:center;}.elementor-1056 .elementor-element.elementor-element-e136bc7 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1056 .elementor-element.elementor-element-e136bc7 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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Time To Budget
- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
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Time To Budget
- .elementor-1060 .elementor-element.elementor-element-dc2dd7b{text-align:center;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b > .elementor-widget-container{padding:0px 0px 15px 0px;}
Time To Budget
- .elementor-1056 .elementor-element.elementor-element-e136bc7{text-align:center;}.elementor-1056 .elementor-element.elementor-element-e136bc7 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1056 .elementor-element.elementor-element-e136bc7 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1076 .elementor-element.elementor-element-df20e3c{text-align:center;}.elementor-1076 .elementor-element.elementor-element-df20e3c .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1076 .elementor-element.elementor-element-df20e3c > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1060 .elementor-element.elementor-element-dc2dd7b{text-align:center;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b > .elementor-widget-container{padding:0px 0px 15px 0px;}
Time To Budget
- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1060 .elementor-element.elementor-element-dc2dd7b{text-align:center;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b > .elementor-widget-container{padding:0px 0px 15px 0px;}
Time To Budget
- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
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Time To Budget
- .elementor-1060 .elementor-element.elementor-element-dc2dd7b{text-align:center;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b > .elementor-widget-container{padding:0px 0px 15px 0px;}
Time To Budget
- .elementor-1056 .elementor-element.elementor-element-e136bc7{text-align:center;}.elementor-1056 .elementor-element.elementor-element-e136bc7 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1056 .elementor-element.elementor-element-e136bc7 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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You need help
- .elementor-1076 .elementor-element.elementor-element-df20e3c{text-align:center;}.elementor-1076 .elementor-element.elementor-element-df20e3c .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1076 .elementor-element.elementor-element-df20e3c > .elementor-widget-container{padding:0px 0px 15px 0px;}
You need help
- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1076 .elementor-element.elementor-element-df20e3c{text-align:center;}.elementor-1076 .elementor-element.elementor-element-df20e3c .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1076 .elementor-element.elementor-element-df20e3c > .elementor-widget-container{padding:0px 0px 15px 0px;}
You need help
- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1076 .elementor-element.elementor-element-df20e3c{text-align:center;}.elementor-1076 .elementor-element.elementor-element-df20e3c .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1076 .elementor-element.elementor-element-df20e3c > .elementor-widget-container{padding:0px 0px 15px 0px;}
You need help
- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1060 .elementor-element.elementor-element-dc2dd7b{text-align:center;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b > .elementor-widget-container{padding:0px 0px 15px 0px;}
Time To Budget
- .elementor-1076 .elementor-element.elementor-element-df20e3c{text-align:center;}.elementor-1076 .elementor-element.elementor-element-df20e3c .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1076 .elementor-element.elementor-element-df20e3c > .elementor-widget-container{padding:0px 0px 15px 0px;}
You need help
- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
May need help
- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
May need help
- .elementor-1067 .elementor-element.elementor-element-3e8ea5f{text-align:center;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1067 .elementor-element.elementor-element-3e8ea5f > .elementor-widget-container{padding:0px 0px 15px 0px;}
May need help
- .elementor-1060 .elementor-element.elementor-element-dc2dd7b{text-align:center;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b > .elementor-widget-container{padding:0px 0px 15px 0px;}
Time To Budget
- .elementor-1072 .elementor-element.elementor-element-64d5933{text-align:center;}.elementor-1072 .elementor-element.elementor-element-64d5933 .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;text-transform:capitalize;}.elementor-1072 .elementor-element.elementor-element-64d5933 > .elementor-widget-container{padding:0px 0px 15px 0px;}
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- .elementor-1060 .elementor-element.elementor-element-dc2dd7b{text-align:center;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b > .elementor-widget-container{padding:0px 0px 15px 0px;}
Time To Budget
- .elementor-1060 .elementor-element.elementor-element-dc2dd7b{text-align:center;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b .elementor-heading-title{color:#000000;font-family:”Helvetica”, Sans-serif;font-size:20px;}.elementor-1060 .elementor-element.elementor-element-dc2dd7b > .elementor-widget-container{padding:0px 0px 15px 0px;}
Time To Budget
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Time To Budget
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May need help
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Time To Budget
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Time To Budget
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You’re Fine
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Debt Counselling Services
What is Debt Counselling?
Debt Counselling is a formal debt solution introduced by the National Credit Act in 2007 and has been proven to be the easiest and cheapest way to becoming Debt Free whilst still ensuring that you have enough money to survive day to day.
How does it work?
We review all you current credit commitments (Loans, bonds, H.P. agreements, Credit/Store Cards etc.) and consolidate them into one affordable payment by negotiating new terms, interest rates with your credit providers thereby reducing your monthly payments to terms that are acceptable to your credit providers whilst ensuring you have enough funds to maintain your basic needs and expenses.
Debt Therapy has Mandates with over 90% of the Credit providers to engage with negotiations on behalf of our clients and in some cases can reduce interest rates down to Zero % where necessary provided that they receive a reasonable repayment period.
What are the advantages of Debt Counselling?
- Full Legal protection from your Credit Provider’s.
- Lower your monthly repayments.
- Aim to get you Debt Free in the fastest possible way.
- Have specialist available to you at all times.
- More Cash in your pocket.
- Educate and protect clients rights from credit providers and ensuring our clients know their rights.
- Enable our clients to re-enter the credit market.
Debt Counselling, Debt Reviews and Debt Consolidation
Why Choose Us?
Debt Therapy is the first company in South Africa to offer Debt Counselling since the National Credit Act was implemented in 2007. We have the experience to listen to your problems and help find a solution that fits your life.
Personal service, no call centers and you get your very own dedicated account manager to guide you through the process.
If you need help resolving your debt problems, take action now! You can rest assured that you are in safe hands with Debt Therapy.
- Free advice and consultations
- A quick and easy process
- No interviews in person (Unless requested)
- Complete confidence that we will keep your matters private
- Consolidate your debts into 1 easy, reduced payment without taking any further consolidation loans
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- What is your employment status?
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Unfortunately, we will be unable to help you as your creditors will not accept your application if we are unable to offer them a payment plan against your debt.
We strongly advise that you make contact directly with your creditors and advise them of your situation as there may be insurance packages that cover you depending on your circumstances.
Should you find gainful employment, please reapply and we will gladly reassess your application. - This field is for validation purposes and should be left unchanged.
Debt Therapy has been awarded as one of the top 3 debt counselling companies in SA for the last 5 years running. We are the current winner at the 2019 awards. Offering you:
Get help with your debts.
FAQ
Does it make a difference if I own my home or not?
No, it does not make a difference, your bond will also be included in the debt review.
How long will it take before my debt is cleared?
This depends on numerous factors and can only be determined once we have all the facts at hand (the total amount available for your creditors, total debt outstanding and agreed negotiated rates with your creditors). You will get a full breakdown when everything is processed.
In the majority of cases the Banks will accept a reasonable offer, usually around 80% of your bond, but in some cases we will keep normal instalments on your bond. We will certainly make sure your bond is treated as the highest priority debt in order to make sure your home is secure.
If I am married COP must my spouse also be placed under Debt Review?
Yes, if you are married COP it means that you legally share all assets as well as debts with your partner. Therefore, by law, both of you must go under debt review.
When can I start on the Debt Counselling Plan?
You may join the plan immediately subject to completing the application, submitting all relevant documentation and filling the qualification requirements.
Will creditors continue pursuing me for payments?
Your creditors shall according to National Credit Act stop pursuing you when you have been placed under debt review. Sometimes it can take a bit of time for creditors to update all their departments that you are under review – should they contact you, let them know that we are your debt counsellors and that we are acting on your behalf. You should forward any letters for us to deal with on your behalf.
Will I have to attend an interview?
No. We treat our clients with trust and respect. You will not have to take time off work to visit us and no one will visit you. We will only contact you when it is necessary.
Will the payment plan cover all my debts?
Yes, we will deal with all your unsecured and secured loans. When we analyse your finances, we will make appropriate allowances for you to be able to afford your day-to-day expenses before we calculate how much you can afford to pay your creditors.