Our 5 step journey to a stress free life

Step 1 : Complete our application form.

Step 2 : Provide us with all required documents.


Step 3: We determine if you are over-indebted. If you are over-indebted, we will inform all your Credit Providers and the Credit Bureaux that you have placed yourself under voluntary Debt Review.

Step 4: After receiving all the Certifcates Of Balance [COB’s], we will restructure your payment plan to a plan that is beneficial to you and negotiate with your Credit Providers where necessary. After negotiations with your Credit Providers, your new restructured payment plan will be sent to all your Credit Providers and this payment plan will take effect. (Your restructured payment [1 ONE monthly payment ] plan will reduce your monthly debt repayments to an affordable amount, leaving you with sufficient money for your living expenses.

Step 5 : We will instruct our specialist attorneys to apply at court in order to make your restructured payment plan a court order. You will not have to appear in court yourself, as your Debt Counsellor will be the applicant in the matter, unless the particular magistrate requires your presence. (The application process will now be complete and you must ensure that your monthly payments are made timeously in order to prevent Credit Providers from taking legal action against you.)