To have your debt consolidated means going through the process of consolidating all your debt owed to multiple credit providers into a single debt with one monthly repayment at reduced interest rates. Instead of paying multiple credit providers, you now only have to make one reduced monthly repayment for all your debt. As part of our free debt assessment, we will work with you so that you pay only the minimum amount that is required by your credit providers, thereby reducing your monthly debt obligations and freeing up cash so that you can maintain your quality of life.

We have a lot of experience dealing with credit providers, and our debt consolidation consultants have frequently negotiated debt restructuring proposals with all the major credit providers. Your debt consultant will propose a restructured debt plan that is affordable to you and acceptable based on your financial position. We will then refer your proposed debt plan to their nominated attorneys, who will obtain a court order in a magistrate’s court to enforce your restructuring debt plan on your credit providers. This court order is obtained as per the National Credit Act and protects your assets while you are in the process of seeking debt help services.

No, you will never have to attend any court proceedings while seeking debt review services. Our nominated attorneys will obtain the court order for you, and the legal fees relating to the court order are included in your reduced monthly debt repayment amount.