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SMS HELP to 40935

T: 087 150 5263

E: info@debt-911.co.za

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Welcome!

Debt - 911 in association with  Justin Van As and Associates helps over-indebted individuals to devise an affordable repayment plan which will be acceptable to their  creditors.

Call us now to explore your debt reduction options.

About Debt-911

 Tel 087 150 5263 


Office Hours

MON - FRI 8:00 AM to 17:00 PM

 SAT  8:00 AM to 13:00 PM

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Are Debt Problems Weighing You Down? Debt-911 Can Help

Debt Problems Are Becoming Increasingly Common

Personal debt loads getting out of hand are increasingly becoming millstones around consumers necks. If you find yourself in any of the following situations listed below, it’s time to engage with a debt counsellor. Debt-911 has a range of innovative debt reduction strategies that can be tailored to suit your specific financial situation

The warning signs are easy to identify:

  • You have maxed out your credit cards
  • You run out of money between paydays
  • You get calls from debt collectors

The early warning signs however are more difficult to recognise and its worth knowing what hey are.

The following early signs of potential future financial distress are worth knowing and can help one take action before one’s circumstances and one’s options become grim.

 Debt-to-Income Ratio

One’s debt to income ratio measures how much of one’s income is used to pay off debt. A ratio greater than 20% could spell disaster. This ratio is easily calculated by simply dividing the total of one’s minimum monthly debt payments ( excluding your housing payments) by your net monthly income. Using more and more of one’s income to pay off debts could land one in trouble should an unexpected event occur requiring unforeseen financial commitment.

Managing Credit Cards

Credit cards used to pay for necessities such as groceries and to settle municipal accounts will very quickly land one in trouble, unless one pays the entire balance on one’s credit card monthly which means one does not pay finance charges. If balances are carried over however and interest and finance charges are levied on basic food and housing costs it is clear that one’s lifestyle may not be financially sustainable.

Last-Minute Payments

Timing one’s monthly debt payments for the last possible date is a clear sign of trouble, especially if one finds oneself paying bills later and later. Waiting until the next month’s statement is received before one makes a payment is an ominous sign of impending financial trouble.

If you are beginning to feel  the pressure of having to deal with your financial affairs and  would like unbiased, no obligation advise, please feel free to call us, complete and submit the form alongside or SMS Help to 40935 after which a trained Debt-911 debt counsellor will contact you to assess your financial situation.