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If after deducting your living expenses from your net salary, have less cash left over than installments on your debt then you may apply for debt counselling.
We will negotiate on your behalf to have your current debt restructured with existing creditors. Money is not loaned but the terms and conditions under which the existing debt can be repaid changes.
You will experience the relief that Debt Review offers immediately. We will work out an affordable provisional repayment plan for you within the first 5 days. In terms of the provisional repayment plan, you will make a single monthly payment to a Payment Distribution Agency (PDA). The PDA will distribute the money according to your plan. Your Credit Providers will not be allowed to take action against you during the first 60 working days. During this time, we will prepare your final repayment plan.
Most creditors will stop once they receive the first payment. Should they continue you must advise them that you are under debt review with Debt Sage and provide them with a copy of the Form 17.2 (you receive this to show successful application) or request that they contact us on 35402204
We will include home loans, vehicle finance, store cards, overdrafts, personal loans and micro-loans except doctors’ fees, insurance premiums. It is important to disclose fully all your debts. Insufficient information may result in your creditors not accepting you on the program.
We will look at your monthly income and consider your living expenses. A recommendation is then made on the amount you can reasonably afford to pay each month. One of our consultants takes you through your budget and advises your monthly payment.
If you miss a monthly payment, credit providers will terminate the plan and institute legal proceedings. To avoid this, it is very important that you disclose your complete situation so that we work out a more affordable debt repayment plan. Should there be any change in circumstance please be prompt in notifying your consultant.
Credit providers can either accept or reject the debt plan. Should they reject the repayment plan, our legal team refers the matter to a Magistrate’s Court, for a final ruling.
In terms of the Consumer Credit Act, you must not incur any further charges under a credit facility or enter any further credit agreement whilst under debt review. Doing so, will result in you being rejected from the debt review and legal proceedings from your credit providers will be instituted. As a show of commitment to the program, you will be asked to destroy your credit cards. Remember, this is what got you into trouble in the first place.
You will need all your creditors names, account numbers, total balances and minimum monthly repayments for each account. You will need to collect your most recent statements.
All cases are dealt with in the strictest of confidence. We will never reveal your name to any third party.
No, while you are under Debt Review, your Credit Providers cannot “blacklist” you. However, if the “blacklisting” takes place before you apply for Debt Review, it will reflect on your credit record. This is another reason why you should rather apply earlier than later for Debt Review.