Debt Consolidation

✓Consolidation Loans
✓Consolidate debt and pay less
✓Low credit score allowed

If you are always short of money on your pay day because of too much debt payments, we can help.

Important: Debt review or administration is not the only alternative. We can help with Legal Assisted Debt Management. This ensures that all moneys are handled by Attorneys and paid into an Attorney’s Trust Account. Reducing of monthly payments are managed by Attorneys.

It is an informal procedure, not a court procedure. Monthly repayments can be reduced up to 80%. We don’t do credit bureau listing.

PAY UP TO 80% LESS

Plan today for a better tomorrow and pay up to 80% less on one monthly debt instalement

Step 1

Contact Us

Email us today to see how we can help you. We do not supply any info to creditors regarding your application.

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Step 2

Apply For Free

No upfront fees and no hidden costs. Our quick and easy online application is the first step to managing your debt.

Step 3

Live Without Worry

Take control of your finances and live a normal life again. You will have more cash in hand for those unforseen expenses.

Consolidation loans

Low credit score allowed

No upfront fees

No application fees

Consolidation loan options

Get assistance and advice with loans provided by registered credit providers.

  • Debt consolidation loans

We serve clients in Cape Town, Gauteng and nationwide

Was your consolation loan denied before? We can still help to consolidate your monthly payments into one affordable payment. Talk to us.

CONTACT US TODAY

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Is this Debt Review?

We do not do debt review at all. We do debt consolidation.

Are you debt counsellers?

No. We are consolidation experts.

I am blacklisted. Can I apply?

Yes you can still apply.

Do you help peopIe with a low credit score?

Low credit score is allowed.

Do you charge upfront fees?

No. Your application will be free.

Is this a court procedure like Debt Review?

No. This is an informal procedure.

How do I qualify?

After submitting an application we will be able to let you know.

Not debt review or administration

If you do not qualify for a loan, we can help you reduce monthly payments by up to 80% – without Debt Review or Administration.

Get the green light for a better future!

If credit record requirements becomes an obstacle for the approval of consolidation finance we will also guide you as to what steps to take, to possibly qualify for consolidation finance in the near future.

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CREDIT AMNESTY

Since April 1 2014, regulations for what is called the Removal of Adverse Credit Information and Information Relating to Paid Up Judgments was passed.

The regulations stipulate that from this date, registered credit bureaus will have two months to remove the above information, which largely relates to the negative credit history of South African consumers.

Once removed, this information cannot be retained on the credit bureau’s register, nor can it be given to credit providers either after or during the two-month period (i.e. from April 1).

After the two-month period has passed, credit bureaus are required to continue to remove information relating to paid-up judgments received by credit providers, who are themselves required to submit these and are not allowed to use adverse consumer credit information for any reason, including credit scoring and assessment.

If a consumer has a judgment and has paid the capital portion of the arrears in full, they will no longer need to go to court to rescind the judgment. Instead, it will be done automatically and consumers will not need to pay excessive legal fees. This will also ensure that their credit record will not reflect the judgment and that they are not negatively affected when applying for a job or rental contract. Once consumers have paid their accounts in full, black marks listed on their credit record for things such as late payments, missing payments, not paying at all or avoiding credit providers, would be automatically removed.

According to the Department of Trade and Industry (DTI), the regulation is necessary because, among other things, credit information can harm employment opportunity. It also says that those consumers whose financial positions have changed should be given the ability to start on a clean slate and maintain a clean credit record going forward.

The DTI maintains that the credit amnesty granted in 2007 benefited only a handful of consumers because it required that consumers take certain steps to benefit from it, which barred those who were either not aware of this or did not understand the necessary steps to be taken.

In its 2013 annual report, released in March 2013, the DTI noted that there were 9.5 million consumers with impaired credit records (47.5% of all credit active consumers), which was an increase of about 500 000 over the previous year.

Impact on credit providers
According to the Consumer Goods Council of South Africa, banks have warned that the regulations will heighten their risks and increase the cost of credit, since they will no longer be able to rely on adverse credit information supplied by credit bureaus.

Legal assistance ensures that all moneys are handled by lawyers and are paid into a lawyer’s trust account. Reducing of monthly payments are managed by lawyers.