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 Nigel. 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 95 trusted and high quality professionals in Nigel 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 18 debt counsellors in Nigel who are skilled and vetted.

Top Debt Counsellors in Nigel

Omega Debt Consult

Services Nigel

For all your debt councelling needs. We have offices situated in Boksburg and Benoni. Our goal is to assist consumers to the best of our ability and to relief the client from financial stress. We consolidate all your debt into one affordable ...show more

4.8

4 reviews

by henry, 083****003

very helpfull and always willing to listen what you are requesting and want to be done if you have a request. and they come to you dont have to go to them when you want assistance.

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Living Debt Free

Services Nigel

Debt relief is NOT the end, it is the Beginning Become DEBT FREE in the shortest possible time…. We are a Debt Consulting Agency Established in 2008, we have successfully assisted 100’s of over-indebted and cash strapped clients over the yea ...show more

4 reviews

by Frans, 079****382

Best decision of my life to go to Living debt Free. They helped me more in 2years being with them than the other company did in 5 years.

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Affirmative Debt

Services Nigel

We can reduce your monthly debt by up to 60%. We specialize in assisting over indebted consumers. All banks and credit providers are listed on our panel for negotiations. We are an office based business who prefer dealing with our clients dir ...show more

3 reviews

by Shaune, 071****453

Any queries (credit provider related) is always resolved in a acceptable turn around time and with excellent feedback, they go the extra mile for any customer. I recommend affirmative debt to anyone. they are big enough to matter and small ...

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Mmikhoi Tech

Services Nigel

Where Others Have Failed we will Succeed. MmikhoiTech, a division of Mmikhoigroup, is a prominent alternative dispute resolution agency that offers a comprehensive range of legal services. The company specializes in providing paralegal servic ...show more

0.0

0 reviews

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Debt Free With Armani

Services Nigel

Take the first step to financial freedom ! Phone us today to be a assisted. We are registered debt counsellors in Benoni that gives professional services to consumers that is over-indebted. Most of us do not cope with our budget and living ...show more

0.0

0 reviews

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Perfect Secure Debt Collections

Services Nigel

here for you here with you. Perfect Secure Debt Collectors is a professional debt collecting company that will build a profile for your needs. We are one of a kind with lots of special extra's. we specialize in medical practices debt, veterin ...show more

4.5

2 reviews

by Louise, 083****299

Excellent service and very professional. will use them again in future.

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RD Debt Counselling

Services Nigel

RD Debt Counselling Cares About Your Financial Future. Pay one reduced amount for all your creditors. Avoid legal action like judgements and garnishees. We can reduce interest rates on your accounts and get your debt paid so that y ...show more

0.0

0 reviews

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Debtcor Professional Debt Consultants

Services Nigel

Changing Possibilities, Improving Lives. Professional Debt Consultants. Save thousands on interest rates! More money available for day-to-day expenses. Protection against legal action. Debtcor Professional Debt Consultants has been establish ...show more

0.0

0 reviews

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Grace Period Debt Counselling

Services Nigel

Struggling with debt. We can help to reduce your installments. As registered debt counsellor with the NCR I am able to assist you with debt restructuring as allowed for by the National Credit Act. Do not wait until it is too late. You do not ...show more

0.0

0 reviews

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Adv Alex Holtzhausen

Services Nigel

Private Practising Advocate of the High Court. I am admitted advocate in the High Court of South Africa and specialising in Debt Review matters, uncontested divorces and other civil litigation. ...show more

0.0

0 reviews

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SA Debt Specialist

Services Nigel

SA Law gives you the right to reduce your monthly installments by up to 60% and have your assets protected from repossession. Have more MONEY for living expenses. We are a team of leading debt review consultants with extensive experience in ...show more

0.0

0 reviews

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Financial & Wellness Institute

Services Nigel

Helping Money with People Problems. Budgeting,Wills,Debt Management,Financial awareness tranning/Presentations and Debt Counceling services. ...show more

0.0

0 reviews

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Ruvbach

Services Nigel

If you need to be supplied with anything then you have come to the right person. ...show more

0.0

0 reviews

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NRI Attorneys

Services Nigel

1 review

by K, 078****780

Within a day or so I was contacted by Mr Tachin Naidoo co-partner / owner at NRI Attorneys in Benoni Gauteng. Without going into the merits and details of the matter that I presented to Mr Tachin Naidoo,I wish to state that I was extremely ...

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Ceebee Debt Management Services

Services Nigel

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 Nigel.

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 95 trusted and high quality professionals in Nigel 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 18 debt counsellors in Nigel who are skilled and vetted.

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Top Debt Counsellors in Nigel

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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