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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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Debt Review East Rand

If you are on the East Rand, Pretoria, greater Johannesburg, the North West or Mpumalanga, Debt-911 can assist with your Debt Review.

Here are some of the most Common Debt-Counselling and Debt Review FAQ

Is Debt Counselling Expensive?

The legislated industry standard is R 50.00 upfront and a R 300 rejection fee if it is found that the candidate does not qualify to enter the debt counselling process, however considering that your debt counsellor will offer you advice on how to restructure your debt such that you are able to cover all your costs every month, this fee is well worth it.

Additional debt review costs will be absorbed from your first month’s repayment once a renegotiated debt repayment schedule has been approved. This will amount to either up to R 6000 of the first repayment or R 6000 if it is a joint application.

There will also be small monthly monitoring fee amounting to 5% of your monthly repayments for the first 24 months after which this drops down to 3% of your monthly repayments. As the debt review process goes to court, be prepared to incur some legal fees and this can be a little as R 1000 if your creditors agree to your revised monthly repayment plan or more if they oppose it. Typically these fees come out of your second month’s debt repayment.

What Are Joint Applications?

Couples married in community of property are obliged to submit a joint application when applying for debt review. It is also recommended that couples also follow this route.

Is It Necessary to Dispose Of My Assets?

It is unlikely that you may be forced to dispose of you most prized possessions, however, it may be a good idea to sell off items you no longer need or use in order to raise some cash. The debt review process has been promulgated to avert the need for consumers to dispose of their hard won assets, most especially their homes and vehicles.

I Have Been Served With a Section 129 Letter – What Now?

Debt-911 can attempt to negotiate with your creditor if you have a judgment or garnishee order. It is very likely that your other debt are stressing you out as well. Debt-911 will then take such creditors into account when reviewing your debt, although they may not necessarily be part of the overall negotiations.

Can I Sign Up Again If I Have Already Been Through The Debt Review Process?

Lawfully yes, however it is likely that your creditors will reject any requests for renegotiation of your debt obligations with them if you reengaged on the first debt review agreement.

Discuss Your Debt Problems With Debt-911, A Partner You Can Trust

If you having trouble meeting your monthly debt obligations, simply call us on the number alongside, SMS Help to 40935 or complete and submit the form alongside and a trained, registered  Debt-911 counsellor will contact you to discuss your personal financial situation and give you a free consultation.