Formal Debt Counselling

• Free consultation (client pays debt counselling fees according to debt counselling guidelines)
• Free face-to-face consultation
• Free telephonic consultation

Benefits of Debt Counselling

• No repossessions or garnishees for the employee – they are legally protected
• No lasting record once accounts are paid off
• Formal repayment arrangements agreed to with creditors
• Interest rates may be reduced, saving clients thousands of Rands in interest repayments
• One reduced payment to all debt obligations
• Afford living costs
• No upfront payment