No, it does not make a difference, your bond will also be included in the debt review.

This depends on numerous factors and can only be determined once we have all the facts at hand (the total amount available for your creditors, total debt outstanding and agreed negotiated rates with your creditors). You will get a full breakdown when everything is processed.

In the majority of cases the Banks will accept a reasonable offer, usually around 80% of your bond, but in some cases we will keep normal instalments on your bond. We will certainly make sure your bond is treated as the highest priority debt in order to make sure your home is secure.

Yes, if you are married COP it means that you legally share all assets as well as debts with your partner. Therefore, by law, both of you must go under debt review

You may join the plan immediately subject to completing the application, submitting all relevant documentation and filling the qualification requirements.

Your creditors shall according to National Credit Act stop pursuing you when you have been placed under debt review. Sometimes it can take a bit of time for creditors to update all their departments that you are under review – should they contact you, let them know that we are your debt counsellors and that we are acting on your behalf. You should forward any letters for us to deal with on your behalf.

No. We treat our clients with trust and respect. You will not have to take time off work to visit us and no one will visit you. We will only contact you when it is necessary.

Yes, we will deal with all your unsecured and secured loans. When we analyse your finances, we will make appropriate allowances for you to be able to afford your day-to-day expenses before we calculate how much you can afford to pay your creditors.