Contact

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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Debt Review Witbank

Debt review allows registered debt counsellors such as Debt-911 to assist over-indebted consumers to apply for debt relief by going through a formal debt reduction process. In most cases debt restructuring will involve approaching a court so as to formalise the process. Consumers who qualify can have their monthly premiums and interest bearing loans re-negotiated to ensure they have additional funds for their day to day expenses.

A Debt-911 review offers consumers immediate debt relief from all creditors, affording the consumer through the assistance of a debt counsellor enough time to re-negotiate all debt obligations.

Debt Review takes affordability into account

Debt-911 counsellors will always conduct affordability assessments during the initial phase of the review process to better understand a client’s personal financial situation before embarking on a negotiation process with the client’s debtors. Allowances will be made for living expenses, school fees, transport and housing costs etc to determine exactly how much a consumer can afford to repay.

Generally the period over which a debt is paid is increased and sometimes the interest rate to which to loan or debt is subjected is also reduced, but this will vary with each debtor and each contract. Importantly, consumer credit ratings agencies can not blacklist clients undergoing debt review.

Debt review affords you legal protection

Once a consumer formally enters the debt review process, he / she is protected from legal action that may be taken against him/her by creditors. It is imperative however that consumers enter the debt review process before they reach the point where their creditors have approached the courts.

Once a revised repayment schedule has been agreed to and enforced by the courts, it is important to keep to the repayment plan.

Most consumers can expect to emerge from the review process within 36 months but this will vary on your individual circumstances.

Explore your Debt review options

If you are contemplating how you are going to meet your monthly repayments, simply call us, SMS Help to 40935 or fill out the form alongside and a trained debt counsellor will call you to assess your personal situation and give you a free consultation.