For a quick response, Fill out our 24 Hr. Contact / Free Call back Form, Or SMS your Email address (or Fax no.) plus your Contact no. to 082 8072 678 / 082 936 9160

If you are struggling to Pay all Your Monthly Debts … We will Help You every step of the way

  • We will Quickly Solve your Debt problems through the Debt Review process!
  • Our Skilled, Efficient Team will evaluate your financial situation, and then negotiate with your creditors to Restructure your Debt repayments so that it’s affordable and within your revised budget.

Debt Review allows you to consolidate your Debt into One Single Reduced, Affordable instalment monthly.

  • Your Repayment Plan will still Allow You to Meet Your basic Living Expenses.
  • Once your iNDC Debt Counsellor has Notified Your Creditors of Your Application for Debt Review, your Creditors cannot Take any Further Legal Action Against You, or Repossess Any of Your Assets for a Period of Three months (60 working days).

To Start the Debt Review Process, and/or to get your Free Online Assessment, Simply:

Fill out our 24 Hr. Contact Form, and We will Contact You promptly

or Email us: debtreview@indc.co.za - and We will Respond quickly.

(Existing Clients/Attorneys/Creditors .. plse email: info@indc.co.za for quick attention)

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Don’t wait … Contact us Today, and Let us Take the Weight Off Your Shoulders!

To read what people think of our service Click Here

Click Here For Directions to ‘iNDC Financial Wellness Centre’

However, we do Debt Counselling Online right through South Africa

Optional: For a Free Online Assessment … or To Start the Online Application Process, Download the Form:

Pre-Qualification for Debt Review_iNDC

Email the Completed form to: debtreview@indc.co.za

… we will evaluate your Debt situation and get right back to you

The process with the Creditors is Managed by iNDC’s Expert Debt Counsellors, who Represent Your Best Interests.

Your monthly payment is paid over to a Registered ‘Payment Distribution Agency’, who will Ensure that the Correct amount is paid to all your Credit Providers on a monthly basis.

SUMMARY OF THE DEBT COUNSELLING PROCESS:

  • Step 1 – Select Us as your NCR Accredited Debt Counsellor
  • Step 2 – We do Debt Counselling Consultation and Compile All Documentation
  • Step 3 – Together, We Evaluate the Level of your Indebtedness
  • Step 4 – We (iNDC) Negotiate with All your Creditors
  • Step 5 – We Implement Your Reduced Monthly Repayment Plan
What Debt Counselling is NOT
Debt Counseling is NOT Administration, Sequestration or Debt Consolidation. With Administration and Debt Consolidation, you hand control of your finances over to a third party and end up paying off your debt over a very long time. You will also pay back much more that your original debt. With Sequestration, your assets are sold off to cover your debts, leaving you without any assets and an inability to obtain credit. Not a happy place to be!!
Debt Counseling allows you to keep all your assets and pay back all your debts in as short a time as possible. Once you have applied, none of your creditors may take legal action (repossessions, garnishee orders etc.) against you. If you are over-indebted, there really is only one viable option.
What Debt Counselling/Debt Review … is NOT

Debt Review/Debt Counseling is NOT Administration, Sequestration or Debt Consolidation.

With Administration and Debt Consolidation, you Hand Control of Your Finances Over to a third party and end up paying off your Debt over a Very Long Time. You will also Pay back Much More that your Original Debt.

With Sequestration, your assets are sold off to cover your debts, leaving you debtfree.

We want to help you a.s.a.p.

Fill out our 24 Hr. Contact Form and we will arrange an Online Debt Counselling/Debt Review Consultation Today!

Or SMS your Email address and your Contact no. to 082 8072 678 / 082 936 9160

or

Email us: debtreview@indc.co.za
iNDC –  We are NCR Accredited

The Debt Counselling/Debt Review process explained:

Step 1: Debt Counselling/Debt Review

Supply us with details relating to Your Income, Monthly Budget and Debt Repayments - this could be done on a One on One basis, Telephonically, by Email or Fax.

Step 2: Debt Counselling/Debt Review

We (iNDC) will Conduct an initial Assessment in terms of your over-indebtness. Our Debt Counsellors / Debt Analysers will Discuss and Explain it To You on the Phone, or Make an Appointment with You. You will need to Supply Copies of your Payslip, Bank statements, ID and latest Creditors Statements.

Step 3: Debt Counselling/Debt Review

During the Debt Review Consultation our Debt Counsellor / Debt Analyser will Verify your details pertaining to your Income, Budget and existing debt repayments. A Revised Budget will be Drawn Up and an Amount Available for Debt Distribution will be Determined. Our Debt Counselor / Debt Analyser will provide you with the details of the costs as well as an interim repayment schedule. This is when you officially apply for Debt Review.

Step 4: Debt Counselling/Debt Review

You now start paying a Reduced, Affordable Monthly Payment, based on your Interim Payment Schedule. This is paid to a Payment Distribution Agency (not to us), as per the National Credit Regulator. No Additional Costs, as our fee is taken out of the 1st months repayment. We / iNDC, will start Negotiating a Proposal with All your Credit Providers.

Step 5: Debt Counselling/Debt Review

The Credit Providers may Accept the proposals and if all of them do, then a Consent Order will be obtained from a Magistrates Court. Should one or more of the Credit Providers not accept the proposed repayment plan, then we will Submit a Proposal to a Magistrate for Decision.

Step 6: Debt Counselling

We will then Provide You with a Final Repayment Plan and this repayment plan is Also Submitted to your Creditors and the Payment Distribution Agency. (PDA) The Aim of this is to Collect a Single Payment from you and Ensure that the Correct Amount is paid to All Credit Providers on a Monthly Basis. This will continue until All Debt has been Settled.