The Debt Counsellor acts on behalf of a consumer to reach an agreement between the consumer and the creditor.

• The Consumer's debt is assessed by a Debt Counsellor based on the information given by the consumer and the Credit Bureau's.
• The process starts with a signed application by the consumer, giving consent to a Debt Counsellor of their choice, to act on their behalf and successfully reach an agreement acceptable to all parties.
• On receipt of a signed application, the Debt Counsellor informs all creditors and credit bureaus of the consumer's application.
• The consumers send out a COB (Certificate of balance) in order to start negotiations.
• A proposal is then drawn up by the Debt Counsellor and sent to all creditors for acceptance thereof.
• A creditor then may accept or make a counter offer.
• After the proposal is accepted and signed by consumer and creditor, the file is then prepared for court.
• A court date/order must be obtained before the 60 days lapse. Should this not be the case, the creditors are entitled to terminate a consumer from the debt review process.

The debt counselling process is much easier than you think, and without this help, the future is bleak. Legal action or even blacklisting is a very real possibility if you do not take control over your debts, and once that happens, it is much harder to recover.

Let the experts help you prevent debt from ruining your life, with the help of trained counsellors, attorneys and other professionals on board, you will get the help you need before it is too late. You will be able to clear your name, reduce your debt and start your journey back to financial freedom.