assesments

ASSESMENT

We will calculate if you are over indebted.

If your expenses exceed your income,

you qualify.

negotiate

NEGOTIATION

Your creditors will be notified and all

negotiations with your creditors will be

taken over by us.

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YOUR VERY OWN ACCREDITED DEBT COUNSELLORS

All applications are handled discreetly and ensure protection with regards to our client’s assets.

Don’t let

 debt ruin

your life

SAVE UP TO 50% ON YOUR CURRENT INSTALMENTS

EXPERIENCE IMMEDIATE FINANCIAL RELIEF

CREDITORS CANNOT PROCEED WITH LEGAL ACTION

ASSIST WITH HANDED OVER ACCOUNTS

WE NEGOTIATE FOR LOWER INTEREST

What to expect

Cease all legal action

As soon as you apply for Debt Review, all legal action against you will cease. We will within 5 days (usually less than 48 hours) notify all your Credit Providers that you are under Debt Review and from that point onward they must, by law, communicate with your Debt Counsellor and not with you directly. It does unfortunately happen from time to time that some Credit Providers take a chance by making contact with our clients directly, but when that happens, you can merely refer them to your Debt Counsellor who will deal with the matter further. All handed over accounts can also be included.

Immediate financial relief

You will experience immediate financial relief. In terms of the provisional repayment plan, you will make a single payment to a Payment Distribution Agency, who will distribute the money according to your plan. During the first 60 working days, your Credit Providers will not be allowed to implement action against you. During this time, we will prepare your final repayment plan. We will also re-negotiate interest rates and expensive credit insurance on your behalf so you can become debt free much faster.

In control of your payments

Your debt repayment plan will indicate exactly when your last day of payment will be. You can at any time settle any of your accounts or make an extra payment apart from the payment distribution company distributing your monthly instalment. Just remember to inform your debt counsellor of paid up accounts and updated balances.

When do you pay us

As soon as an agreement has been reached between you and Debtfix, the first two instalments will cover the restructuring and legal fees as set out by the National Credit Regulator.

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