A: Unfortunately, we do not. To be able to qualify for Debt Review/Debt Consolidation/Debt Counselling you must be employed or receive regular and consistent income. No creditor will accept a non-payment as a viable option during our negotiations with them. If you are unemployed you can, however, negotiate with your creditors directly to see if
A: First, we would recommend that you pull your credit record to see what it looks like and whether it is in good standing or not. It is also a good idea to check your credit record regularly to make sure everything is as it should be. If you see that there are accounts whose
A: You can easily check your credit record online. But, make sure that you use trusted platforms from reputable credit bureaus, or other recommended and registered companies in South Africa. Here are DebtSafe’s five (5) recommended steps on HOW to pull your credit record: Step 1: Decide why you want to check your credit report.
A: If you are unhappy with the service your Debt Counsellor is providing, or not providing, you have the option to change and transfer to a Debt Counsellor of your choice.
A: The process of cancelling/withdrawing from Debt Review is a complex one and we will always suggest that you talk to your Debt Counsellor before making the decision. Here is what you need to know about exiting Debt Review before completing the program: Your Debt Review will stay listed on your credit record until a
A: The Debt Review program is structured according to your marriage contract. Married in community of property (married COP) The application to the program will be a joint one and all the debt will be thrown into one pool since the law sees you as one estate. Your income will also be joined in the
A: The DebtSafe Head Office is situated at 42 Van Riebeeck Road, Mokopane, Limpopo. DebtSafe does, however, operate nationally, so we can assist you anywhere in South Africa. With our extensive attorney correspondent network, we are confident we can help wherever you are situated.
A: The duration of your program with DebtSafe will be subject to; The amount of debt you have. The type of debt you have. Your income. Your essential living expenses. What we can negotiate with your creditors. How long your program will take is unique to your situation, therefore, we recommend asking for your free,
A: Your monthly repayment plan’s instalment will depend on your individual debt profile. What affects your monthly instalment is: The amount of debt you have. The type of debt you have. Your income. Your essential living expenses. What we can negotiate with your creditors. Your monthly instalment will be unique to your situation; therefore, we
A: Debt Review is a professional service and does require certain fees. However, there are no up-front fees. All our fees are paid from your instalments and form part of your restructured payment plan. The fees are regulated by the National Credit Regulator (NCR) and are the same for all Debt Counsellors. There are six