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19-Jan-2017 22:02

Are you worried about losing your home or your car? Many people face a financial crisis at some point in their lives. Are your accounts being turned over to debt collectors?Fill in the loan amounts, credit card balances and other outstanding debt.Then see what the monthly payment would be with a consolidated loan.Both federal and private lenders recognize that lower monthly payments help may be the best option, if you don’t get the job you want immediately after graduating from colleges.Find out more about the choices debt consolidation offers.Debt Counsellors will conduct an independent enquiry into your financial circumstances and make recommendations to Credit Providers and the courts concerning restructuring your debt or even suspending "reckless" credit agreements.

The process time can vary, depending on how much debt you have to repay or by you (the consumer) failing to make your agreed upon repayment. While this is now a legal term it basically means that anyone who, after deducting living expenses from their net salary, has less cash left over than the installments on their total debt, may apply for counselling as they are probably "over-indebted". However the legislated industry standard is: R50.00 upfront, a possible R300.00 "rejection" fee (This fee is well worth it if the Debt Counsellor can help you rearrange your budget in such a way that you can cover all your costs each month). Most are just happy to help advise you even if you don't sign up.

Writing down all your expenses, even those that seem insignificant, is a helpful way to track your spending patterns, identify necessary expenses, and prioritize the rest.

The goal is to make sure you can make ends meet on the basics: housing, food, health care, insurance, and education.

Trained individuals (called Debt Counsellors) will help you to deal with your debt.

They will deal with your creditors and come to an agreement that allows you to cover your living expenses and apportion the remainder of your available funds to your creditors.

The process time can vary, depending on how much debt you have to repay or by you (the consumer) failing to make your agreed upon repayment. While this is now a legal term it basically means that anyone who, after deducting living expenses from their net salary, has less cash left over than the installments on their total debt, may apply for counselling as they are probably "over-indebted". However the legislated industry standard is: R50.00 upfront, a possible R300.00 "rejection" fee (This fee is well worth it if the Debt Counsellor can help you rearrange your budget in such a way that you can cover all your costs each month). Most are just happy to help advise you even if you don't sign up.

Writing down all your expenses, even those that seem insignificant, is a helpful way to track your spending patterns, identify necessary expenses, and prioritize the rest.

The goal is to make sure you can make ends meet on the basics: housing, food, health care, insurance, and education.

Trained individuals (called Debt Counsellors) will help you to deal with your debt.

They will deal with your creditors and come to an agreement that allows you to cover your living expenses and apportion the remainder of your available funds to your creditors.

Further cost for debt review will be absorbed from your first rescheduled debt repayment, once negotiations with your creditors are done, amounting to either up to R6000 of the first repayment or R6000 if it is a "Joint Application".