Being in debt can feel daunting, but you can change your financial future today and look beyond debt, towards a happier more prosperous future.
Your interest and fees will be stopped. This means you can start repaying your debt, not just interest and fees.
No more worrying each time your phone rings. Your creditors will have to call us, instead of you.
Most Debt Agreements are between 3 and 5 years, so you’ll know EXACTLY when you’ll be debt free
Debt Agreements allow you to only repay a percentage of what you owe, based on what YOU can afford.
Your payment plan is based on what YOU can afford. Making sure you can still live and enjoy your life, whilst becoming debt free.
We manage all communications and negotiations with your creditors, meaning you have more time and peace of mind, to do the things you’ve been putting off.
You might feel overwhelmed with level of debt, but you do have options. We will work through your budget and if need be, can refer you to a financial counsellor. Or we will present you options that are available to you such as a debt agreement, a personal insolvency agreement or in some cases, bankruptcy.
A debt agreement is a formal, manageable plan which allows you to settle your debts by making a regular payment based on what you can afford over a set time period.
A personal insolvency agreement is designed for higher levels of debt and allows people to save their homes and cars.
Bankruptcy is where all unsecured debt is legally written off, but there are implications that you will be made aware of.
An informal agreement is made between you and your creditors. They offer a personalised solution that protects your credit file.
