Debt Counselling Centurion

Debt Sage works with creditors to help consumers in Centurion get out of debt without taking an additional loan. If you are experiencing debt problems and you live in Centurion, debt consolidation services from Debt Sage could help you to improve your daily cash flow needs for your household. When you apply for debt counselling money is not loaned, but we develop a manageable repayment plan which is achieved by way of changing loan terms, which includes lowering the interest rate or extending the term of the loan among the alternative techniques.

In order for us to do the debt counselling application, we need a copy of your ID and payslip. When you apply for debt counselling you are able to simplify your financial life by consolidating your debt into one easy monthly installment.

When consumers contact Debt Sage, our professionally trained and NCR registered Debt Counsellors will do the following:

• Perform a free financial health check
• Assess whether a consumer is over-indebted.
• Check for reckless lending arrangements issued by credit providers and seek for the credit to be rescinded. A credit agreement is reckless if the creditor fails to conduct a detailed financial assessment on behalf of the client and still offers them credit. If the consumer does not understand the risks, costs and obligations created by the proposed credit agreement or if the credit provider conduct an assessment and conclude that entering into the proposed credit agreement would cause the potential consumer to become over-indebted, but still enters into the credit agreement with the consumer, such credit agreement is classified as reckless lending practice.Consumers are required to fully and truthfully answer the requests for information that creditors put to them. Creditors on the other hand are experts at financial matters and they use very sophisticated computer programs to figure out what the consumer can and cannot afford so they must be certain about the consumer’s financial status before they offer credit.
• Place over-indebted clients under debt review.
• Advise credit providers and credit bureaus of the client’s financial situation.
• Develop a debt restructuring / debt consolidation plan so the client can become debt free after a certain period.

Debt Sage Debt Counsellors will:

• Evaluate our current financial situation.
• Perform a detailed review of your income and expenses.
• Develop a workable budget that you can live with.
• Enable you to pay off your debt within 5 years, through our debt counselling program.