Help My Debt Debt Counsellors
Counsellor in Port Elizabeth

Take control of your finances and be on the road to becoming debt free!.
A debt counsellor will draft a budget for you – this will reflect your income less your expenses (mortgage, food, school fees, etc.). The debt counsellor will then establish an affordable repayment instalment for you, according to the money you have available. With the total consumer debt exceeding R1.4 trillion in South Africa alone, there is a growing need for professional debt assistance. Your debt counsellor can also negotiate with your creditors on your behalf, to obtain reduced premiums for you, allowing you to pay off your debt in a reasonable period of time.
How Does Debt Counselling Work?.
Debt counselling is the process of assisting consumers who have debt related problems. Debt is unfortunately a harsh reality for many people – with thousands of individuals struggling to make ends meet, assistance is often needed.
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The debt counselling process often includes.

Take control of your finances and be on the road to becoming debt free! Debt counselling is the process of assisting consumers who have debt related problems. We help you to regain your financial freedom by providing professional debt counselling services according to your unique needs. We work to deliver a professional and focused service to over-indebted consumers. The Act provides for a debt relief mechanism whereby an over-indebted person, or couple if married in community of property, might apply for debt-review whereby your debt repayment obligations are reduced to affordable levels. You are over-indebted if you, after providing for the monthly living expenses and maintenance requirements of yourself and your dependants, are unable to meet your commitments to your creditors. The aim and purpose of the Act, is therefore to help you to lead a normal economic life without being pressurised by creditors for payments you can no longer afford under the circumstances you find yourself into presently. What’s more, creditors in terms of the provisions of the Act are obligated to participate in the debt review process and cannot avoid it. Once your debt obligations to your creditors have been re-arranged, you will financially be liberated and therefore be able to honour your payment obligations to creditors with reduced instalments which you can afford.