Complete our online application form and we will contact you for your free debt assessment consultation. You will need your net income, list of debt ( monthly payment, creditors details, total outstanding amounts) and a list of all your monthly expenses.

START Paying the reduced, provisional payment with your next salary date. Your debt counsellor will look at your budget and calculate a reduced monthly, provisional payment, with enough money left over for your living expenses.

CONTINUE Paying the reduced, provisional payment every month. Your initial Debt Repayment plan is a temporary plan sent to your creditors. It is important to continue paying off your debt every month as it shows your creditors your are committed to paying off your debt.

CONTINUE Paying the reduced, provisional payment every month. While It is important to continue paying off your debt every month your final debt repayment plan will be negotiated with your creditors and it is at this point that your final repayment plan is presented to you.

Once the court order is issued you are well on your way to financial freedom, with all parties in agreement and you making payment that you can afford. A specialised Legal Representative will present the payment plan to be made into a court order on your behalf.