How do l know when to apply for debt counselling in Johannesburg?
If you are experiencing any of the following, contact our debt counsellors in Johannesburg to get assistance:
If after deducting your household living expenses from your net salary, have less cash left over than instalments on your debt then you may apply for debt counselling.
If you are struggling to pay your instalments and you don’t know what to do.
If your accounts are 2 or more months in arrears.
If you are getting endless calls from credit providers and lawyers demanding payments
What information is required to get started?
We will need a comprehensive and realistic household monthly budget. You will also need all your creditors names, account numbers, total balances and minimum monthly repayments for each account.
Which of your debts will be included on debt counselling?
We will include home loans, vehicle finance, credit cards, store cards, overdrafts, personal loans and micro-loans except doctors’ fees, insurance premiums. This is to say that all the accounts for which the consumer initially signed a credit agreement and received credit.
School fees, levies, tv licence debt or municipal levies, hospital fees doctors’ fees are excluded from debt review as initially no credit was extended by the service providers.
If you live in Johannesburg and you are experiencing debt problems, debt counselling in Johannesburg from Debt Sage could be what you need to improve your daily cash flow needs. Debt Sage is a leading debt counselling firm with many years of experience in the debt counselling industry. Contact Debt Sage, the debt counselling experts today.