Debt Counselling . Skuldberading (kliek vir Afr.)

Monthly Repayments Reduced with 40% – 60%!

Retain Your Assets … through Debt Counseling!

Protection Against Creditors, We Will Negotiate on Your Behalf !

NO Additional Cost – fee included in your 1st instalment!

We Will Take the Weight Off Your Shoulders!

Fill in our 24 Hour Contact Form. Do it NOW!

… and We Will Phone You To Arrange the next step.

and/or DOWNLOAD:

PRE-QUAL. 1 SEPT 2010

Email the Completed Forms To: debtreview@indc.co.za

and/or SMS  Your Contact No. to 082 8072 678

We can Protect You and Your Family against Loss of Your Hard Earned Assets Today!

Homepage image_5The process with the Creditors is Managed by iNDC’s Expert Debt Counsellors ,who Represents Your Best Interests.

We Will Develop A Repayment Plan For You That Is:

  • Affordable to You
  • Acceptable to all of your Creditors

This 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)

You will be required to pay a Reduced, Affordable instalment

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.

Click Here – FREE Information:Debt Counselling/Debt Review/Debt Consultation

JOHAN: 082 8072 678     –     CALL CENTRE: 086 1733 863

SUMMARY OF THE DEBT COUNSELLING PROCESS:

  • Step 1 – Select Us as your NCR Accredited Debt Counsellor
  • Step 2 – We (iNDC) Compile All Documentation
  • Step 3 – Together, We Evaluate the Level of your Indebtedness
  • Step 4 – We  Negotiate with All your Creditors
  • Step 5 – We Implement Your Reduced payment 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 without any assets and an inability to obtain credit. Not a happy place to be!!

Debt Review/Debt Counseling Allows You To Keep All Your Assets and Pay back ll 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.

We want to HELP YOU a.s.a.p!

ARRANGE A DEBT COUNSELLING/DEBT REVIEW CONSULTATION!

or SMS  Your Phone no. to 082 8072 678 – and We Will Contact You

EMAIL US: debtreview@indc.co.za

debt_counseling_5
Accredited NCRDC 686
Accredited
NCRDC 686

In terms of the National Credit Act (NCA)

you may formally apply to a Debt Counsellor

for debt relief if you are unable to meet your

financial commitments under credit

agreements on a monthly basis.

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.