|
Welcome to Zululand Debt Counsellors |
- NCR Accredited ASSISTANCE within your Magisterial District
- You have RIGHTS
- Our FREE ASSESSMENT will relieve you
- You are PROTECTED against creditors
- You pay ONE AMOUNT per month
- You AVOID judgments and garnishee orders
- You AVOID losing your house, cars and furniture
- No UPFRONT fees charged
We are registered Debt Counsellors with the National Credit Regulator, operating in terms of the National Credit Act No. 34 of 2005. The main purpose of the National Credit Act is to protect you, the consumer, against reckless lending and to provide over-indebted consumers with a means to pay of their debts in an affordable manner, without losing their assets.
By choosing Zululand Debt Counsellors you have taken the first step towards financial stability. We will help you to take back control of your life, ease your financial worries and have you well on your way to become debt free as soon as possible.
Zululand Debt Counsellors is affiliated to the National Debt Mediation Association.
The aims of the NDMA are to:
- Provide first line of assistance to debt distressed consumers.
- Facilitate and oversee the implementation of the industry code to combat over indebtedness, once agreed between the industry and the NCR; and
- Facilitate collaborative processes between credit providers, debt counselors and payment distribution agents who voluntarily affiliate to the NDMA, aimed at improving the efficiency and effectiveness of the debt counseling and re-arrangement processes in terms of Section 86 of the National Credit Act.
What is Debt Counselling?
Debt Counselling is a professional service provided for over-indebted consumers. It is a process regulated by the new National Credit Act and provides you, the consumer, with greater protection against creditors wishing to take legal action. The goal of Debt Counselling is to develop a repayment plan that is affordable to you and acceptable to all of your creditors. This repayment plan will still allow you to meet your basic living expenses.
What are the benefits of Debt Counselling?
In most cases we can lower your payments by up to 50% and in some cases even more. For a period of 60 working days (± 3 months) your credit providers are not allowed to contact you, just to give you some peace of mind while we’re busy getting you sorted. We are in a position to negotiate new debt restructure schemes, timescales and even interest rates with credit providers. New debt restructure repayment amounts will be based on what funds you have available after your necessary expenses have been paid - ensuring that your debt becomes affordable for you and your family. The fees payable to us are included in your repayment plan. Debt Counselling is the only method of preventing Creditors to attach your assets!
To do nothing about all the Debt?
The decision to reach out for help with your debt is not one that's easy to make, but now it’s nearly unbearable. You struggle along while your creditors are turning up the heat - and now you’re at the point where the late fees, penalties and interest expense make it impossible to keep your head above water. That’s why you started looking for a Dept Counsellor. That’s why you are reading this page now.
The worst thing you can do at this point is to Do Nothing. You owe it to yourself to speak with a Debt Counsellor at Zululand Debt Counsellors as soon as possible and to prepare and send to us the documents required in the form below for your Debt Evaluation and a FREE assessment.
|
