Debt counselling is a structured process designed to help individuals who are overwhelmed by debt regain financial stability. By working with a registered debt counsellor, your financial obligations can be consolidated into a single, affordable monthly repayment plan, ensuring legal protection and peace of mind.

Step-by-Step Process of Debt Counselling

1. Assessment:
   • Your debt counsellor will assess your income, expenses, and debt obligations to determine if you are over-indebted.
2. Budget Planning:
   • A realistic budget is created to prioritize essential expenses while setting aside funds for debt repayment.
3. Negotiation with Creditors:
   • Your debt counsellor negotiates with creditors to reduce interest rates, waive fees, and extend repayment terms.
4. Legal Protection:
   • Once under debt review, you are legally protected from creditors taking legal action against you.
5. Implementation of the Repayment Plan:
   • You make a single monthly payment to a Payment Distribution Agency (PDA), which then distributes the funds to your creditors.
6. Debt Clearance:
   • Upon completion of the repayment plan, you receive a clearance certificate, signaling your debt-free status.
     

     Wondering how debt review works? Here’s a simple step-by-step guide to achieving financial freedom with DCGsa.

Why Choose Debt Counselling?

Debt counselling not only helps you avoid repossession of your assets but also provides you with the tools and support to achieve long-term financial freedom. It is a regulated process under the National Credit Act, ensuring fairness and transparency. Our Debt Counsellor is Registered with the National Credit Regulator since 2010.

Contact DCGsa Today!

📞 Call us: 086 100 1047
📧 Email us: help@dcgsa.co.za
💬 WhatsApp us: 061 432 8499
▶️ Watch our videos on YouTube: DCGsa Debt Counselling Group

For more details, explore our website www.dcgsa.co.za

DCGsa helps you consolidate debt without taking another loan. Affordable assistance for financial peace. NCRDC 1560.