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How do l know when to apply for debt review?
If after deducting your living expenses from your net salary and you are constantly having less cash left over than instalments on your debt then you may apply for debt review. This is key sign that one is over-indebted.
How to spot over-indebtedness?
Feeling out of control.
2 or 3 months in arrears.
Struggling to pay your monthly debt repayments and you don’t know what to do.
Constantly Getting calls from credit providers, debt collectors, and lawyers demanding payment.
A lot of people hesitate to make needed changes even when they see a problem getting worse and worse. This can be true of people struggling with debt. Most people with debt mistakenly think that the answer to their situation is another loan, more borrowed money to throw at the debt problems you already have.
It is much better to reduce your spending by making big changes. If you have already reduced your spending and can’t earn more, but still struggle to repay your creditors, then the good news is that you still have options which can help you such as debt review.
What is debt review?
This a program introduced by the government through the National Credit Act No. 34 of 2005.
To assist over-indebted consumers by applying for debt review and also to identify and profile cases of reckless lending with the aim to get the cases suspended.
If you are overwhelmed by debt and need help, contact Debt Sage on 010 005 5350 or fill in the free call back form and one of our consultants will assist you.
