How does a debt review help you?

A debt review helps clients restructure or reduce their debt payments to their creditors. You will still pay off your debt but at lower installments.

Can your car or home get repossessed?

When you’re under debt review you’re given a certain amount of protection. Creditors are not allowed to repossess assets as long as they form part of your review. If you're following the advice of the debt counsellor and keeping up with payments creditors have no valid reasons to repossess your assets.

What happens after the debts are paid off?

Once all your debt is paid off the debt counsellor notifies the National Credit Regulator (NCR). The email specifies the details of your case and the NCR must remove your name from its registry & the credit bureau lists.

Will your debt review affect your spouse’s credit?

Quite a few factors determine how partners’ finances affect each other: -If the marriage happens after the initial debt review your spouse’s credit shouldn’t be affected. -If you’re married in community of property you legally share all assets and debt. If you're under a debt review your spouse will be too.

Will the debt review affect your home’s bond?

A debt review doesn’t affect your bond. Your bond is included in the list of creditors you need to pay.

How long does it take for the debt to be cleared?

Your debt review period depends on a number of factors: -Your income -The number of creditors you have -The total outstanding debt -The interest rates on the accounts -The percentage of rates increases When you consult with debt counsellors you’ll get a full breakdown of the process. You’ll be told what will be paid to whom and the estimated time before the process is completed.

Will you be accepted for new credit if you’re on the NCR registry?

No new credit will be approved if you're listed on the NCR registry. You’re struggling to repay current debt. No new creditor will accept the risk of not receiving payments.

Will creditors still pursue you for payments?

When under debt review your debt counsellor takes over much of the administration. But you’re bound to still receive communication from your creditors. Even though they’re informed of your review it may take time to update their systems with your repayment plan. If they keep contacting you simply inform them you’re working with a debt counsellor and when payment is scheduled.

What happens if you can't pay the debt due to an emergency or death?

When emergencies arise the debt counsellor must inform the creditors of possible problems with payments. New arrangements need to be made. All parties—the client, debt counsellor and creditor—must agree to the new terms.

1. You never pay to use Snupit. It’s free and you get to compare multiple quotes from the best debt counsellors in Blackheath. 2. Professionals listed on the Snupit platform are experienced, friendly and background-checked. Our numbers say it all! Of the 0 reviews for debt counsellors, our customers have had a positive and a rewarding experience with 0 debt counselling projects. 3. Choose from 98 trusted and high quality professionals in Blackheath who can assist you with just about anything you need done. 4. Don’t overpay for any service, hire a local expert from our talent pool of 19 debt counsellors in Blackheath who are skilled and vetted.

Top Debt Counsellors in Blackheath

The National Debt Review Center

Services Blackheath

With You, Every Step of The Way. Why are our Registered Debt Counsellors the best? Because The National Debt Review Center understands the high degree to which our clients depend on us to do what's right for them and we believe that we ar ...show more

4.9

7 reviews

by Lucinda, 072****907

I never thought that I will be in a financial predicament and in a position of loosing everything I've worked for my entire life. Fortunately I met you guys and my life have never been better. I am a few months away from being debt free and...

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Zero Debt

Services Blackheath

Simplify your finances by consolidating your debt into a single, manageable monthly payment, reducing your overall repayments. Zero Debt is a professional debt relief company with an impeccable track record. We aim to help you on your way to ...show more

8 reviews

by Walter, 062****246

My journey was smooth as the staff was working with me hand in hand all the way through. I will recommend Zero Debt to friends and family.

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Accredited Debt Councelling Services

Services Blackheath

We Make Debt Better!. At ADCS we assists individuals, who are facing a debt challenge. We will gladly advise you based on your personal situation and circumstance, in a professional and honest manner. We assist our clients by educating them ...show more

2 reviews

by Salome, 083****913

Keep us the great work guys!!

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Consumer Debt Support

Services Blackheath

Dare to Care for Excellence. Consumer Debt Support is one of the nominated top 5 Small debt counseling companies by our Piers, our creditors, and Payment Distribution Agents as well as the NCRdebthelp stats. We offer personal debt solutio ...show more

1 review

by Camilla, 072****868

Annienne and her company Consumer Debt Support came to the rescue, we received such bad service from 2 previoius Debt Review Counselling services and Annienne knew exactly how to help and advise us. She introduced us to a great lawyer and o...

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Debt Guard

Services Blackheath

Regain peace of mind and control of your debt. Tomorrow belongs to you!. Debt Guard strives to provide an effective solution to debt problems, always keeping the best interests of the client in mind , assessing all possible solutions with cli ...show more

3 reviews

by Philip, 083****889

Joining "DEPT GARD" was the best I could do, I should have done it much earlier. Since I have joined I could start a new life style. All the warries is gone. I can recommend them to any person, that would like to have a new start in life.

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Debt Check

Services Blackheath

Debt Counselling or Review is a formal debt rehabilitation program that helps over-indebted consumers find an affordable way to manage overwhelming debt obligations. Debt Check is an NCR registered Debt Counselling facility that has assisted ...show more

0.0

0 reviews

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Mashazi Le Roux Projects

Services Blackheath

MONEY24SA is a national consulting group, providing assistance and assesments to clients on various aspects of daily financial life. Money 24 SA: Analyse and asses our clients situation for the best possible solution regarding their finan ...show more

0.0

0 reviews

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Royal Debt Counselling

Services Blackheath

At Royal Debt Couselling client is KING and Queen. We do debt counselling to over indebted clients. We also advice clients regarding the National Credit ACT. We negotiate lower repayment on all accounts We protect you from being harrass fr ...show more

0.0

0 reviews

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Debtwinner

Services Blackheath

Consolidation loan / finance application declined AGAIN? We can assist. We specialize in CREDIT REPAIR. Our team of experts has over 30 years experience in this field. REBUILD credit profile / credit scoring IMPROVE cash flow Consolida ...show more

0.0

0 reviews

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Libertine Consultants

Services Blackheath

Support before, during and after ensures that individuals have the best opportunity for success. Sourcing your credit record and understanding its contents can go a long way to paving the way to an abundant, debt-free future. Libertine Consu ...show more

1 review

by Mrs, 078****522

My experience with Libertine Consultants. You guys are amazing. Abieda the beautiful professional women on the other end of the telephone was so good. Thank you is so small to rate all who was involved. I received what I wanted within about...

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Chapman Debt Free Solutions

Services Blackheath

Helps if you are debt-stressed by reviewing your budget and re-arranging the payments — saving you money. We offer our expertise and unlock cash-flow for you. Through our negotiations with the banks and creditors we lower your monthly debt p ...show more

0.0

0 reviews

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Fin Money

Services Blackheath

Blacklisted welcome.Debt Consolidation.Debt Relief. We assist in providing a service for those with a bad credit record,defaults and garnishee orders ...show more

0.0

0 reviews

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Duvesco

Services Blackheath

Duvesco provides legal and financial services to the medical and educational industries. We assume responsibility for a number of critical functions in areas such as: - invoicing or billing, - claims management, - electronic switching, ...show more

0.0

0 reviews

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Confidential Debt Counselling

Services Blackheath

Are you in a financial crisis and you don’t know how you’re going to pay your debts, together with rising food and petrol prices, kids’ school fees, municipal account and your cellphone bill? Debt that was previously manageable is becoming ...show more

0.0

0 reviews

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Credit Rehab

Services Blackheath

With so many South Africans struggling with debt that they cannot pay back, it shouldn’t be a surprise that many companies offer debt review services. When the National Credit Act came out in 2007 those who were finding it exceptionally dif ...show more

0.0

0 reviews

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Frequently Asked Questions

Do you feel stressed about mounting debt? Guess what? You don’t have to handle it on your own. South Africa has many certified debt counsellors. They know exactly what you need to manage your debt. And with Snupit’s review feature you can find one that offers excellent customer service. With them you’ll feel comfortable talking about your personal finances.

How does a debt review help you?
A debt review helps clients restructure or reduce their debt payments to their creditors. You will still pay off your debt but at lower installments.
Can your car or home get repossessed?
When you’re under debt review you’re given a certain amount of protection. Creditors are not allowed to repossess assets as long as they form part of your review. If you're following the advice of the debt counsellor and keeping up with payments creditors have no valid reasons to repossess your assets.
What happens after the debts are paid off?
Once all your debt is paid off the debt counsellor notifies the National Credit Regulator (NCR). The email specifies the details of your case and the NCR must remove your name from its registry & the credit bureau lists.
Will your debt review affect your spouse’s credit?
Quite a few factors determine how partners’ finances affect each other:

- If the marriage happens after the initial debt review your spouse’s credit shouldn’t be affected.

- If you’re married in community of property you legally share all assets and debt. If you're under a debt review your spouse will be too.
Will the debt review affect your home’s bond?
A debt review doesn’t affect your bond. Your bond is included in the list of creditors you need to pay.
How long does it take for the debt to be cleared?
Your debt review period depends on a number of factors:

- Your income
- The number of creditors you have
- The total outstanding debt
- The interest rates on the accounts
- The percentage of rates increases

When you consult with debt counsellors you’ll get a full breakdown of the process. You’ll be told what will be paid to whom and the estimated time before the process is completed.
Will you be accepted for new credit if you’re on the NCR registry?
No new credit will be approved if you're listed on the NCR registry. You’re struggling to repay current debt. No new creditor will accept the risk of not receiving payments.
Will creditors still pursue you for payments?
When under debt review your debt counsellor takes over much of the administration. But you’re bound to still receive communication from your creditors.

Even though they’re informed of your review it may take time to update their systems with your repayment plan. If they keep contacting you simply inform them you’re working with a debt counsellor and when payment is scheduled.
What happens if you can't pay the debt due to an emergency or death?
When emergencies arise the debt counsellor must inform the creditors of possible problems with payments. New arrangements need to be made. All parties—the client, debt counsellor and creditor—must agree to the new terms.
Why Snupit?
1. You never pay to use Snupit. It’s free and you get to compare multiple quotes from the best debt counsellors in Blackheath.

2. Professionals listed on the Snupit platform are experienced, friendly and background-checked. Our numbers say it all! Of the 0 reviews for debt counsellors, our customers have had a positive and a rewarding experience with 0 debt counselling projects.

3. Choose from 98 trusted and high quality professionals in Blackheath who can assist you with just about anything you need done.

4. Don’t overpay for any service, hire a local expert from our talent pool of 19 debt counsellors in Blackheath who are skilled and vetted.

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Top Debt Counsellors in Blackheath

How does a debt review help you?

Can your car or home get repossessed?

What happens after the debts are paid off?

Will your debt review affect your spouse’s credit?

Will the debt review affect your home’s bond?

How long does it take for the debt to be cleared?

Will you be accepted for new credit if you’re on the NCR registry?

Will creditors still pursue you for payments?

What happens if you can't pay the debt due to an emergency or death?

Why Snupit?

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