Debt Counselling in South Africa | PayPlanSolutions

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Debt Counselling
Debt Counselling is a consensual restructured
repayment plan which serves as a debt help
mechanism for the consumer. It provides debt
solutions for the consumers current debt
commitments. It is also sometimes referred to as
Debt Review, or a Debt Relief plan and is
intended to free up enough discretionary income
to allow the consumer to return to a sustainable
lifestyle and, at the same time, get out of debt
and settle all accounts in full within a
reasonable period. 
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A process for the restructuring of your debt
into one easy payment.A way to improve your
credit score and clear your credit record.A
plan to increase the amount you have for
day-to-day living expenses.A solution to get
you out of debt faster.A strategy to protect
your assets such as cars and houses.A return to
complete financial wellness.
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How do you know you need a DEBT COUNSELLOR

• When you are
  suffering from over-indebtedness.
• A consumer is considered to be over-indebted if
  the money available after payment of essential
  expenses is not enough to pay all other debts.  
• Herewith some
  indicators of over-indebtedness-
• A consumer is over-indebted when he/she cannot
  service all his/her debts in a timely manner as
  agreed in the credit agreements.  The following
  are indicators of over-indebtedness.
• You use your credit card and overdraft facilities
  to pay debts and buy food and other necessities.
• You borrow money to pay other debts.
• You skip payments on some accounts in order to
  pay others because you cannot keep up
• You cannot pay your bills at the end of the
  month.
• You receive letters and summonses from creditors
  and/or lawyers.
• You are considering being placed under
  administration.
• You have judgments granted against you.

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The debt advice and first consultation are free
and are designed to bring debt relief by reducing
the very next creditor payments. Many financial
planners will acknowledge that the mere
consolidation of debt only prolongs the time it
takes to get out of debt. One of the main factors
influencing people to opt for Debt counselling is
that Debt Counselling has the ability to lower
interest rates, thereby providing very real debt
relief.

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Pay Plan Solutions

• Debt Counselling
• Debt Help
• Business Rescue
• Consolidation Loan
• Bankruptcy

Contact us - Tel [phone]Fax 086 686
9597National Help Line 0861 626 8593 Cutter
Close, Blouberg Sands,7441