Are you eligible for debt counselling? Let DCGsa help you find out with a free, obligation-free assessment tailored to your financial situation.
1. Initial Consultation
Your journey begins with a free, professional, confidential consultation. During this stage, our consultant who is overseen by the Debt Counsellor himself. This is to evaluate your financial situation, including monthly income, expenses, and outstanding debts. Whether you visit our Port Elizabeth office or connect remotely, this step is vital to understanding your unique circumstances.
2. Financial Analysis
A detailed analysis follows, where we calculate your disposable income and assess your ability to meet monthly debt obligations. This helps determine if debt review is the best option for you. Our team ensures transparency by explaining every detail, so you know exactly what to expect.
3. Legal Protection from Creditors
Once you opt for debt review, legal protection comes into effect. This means creditors can no longer harass you or take legal action while your debt review process is underway. In Port Elizabeth, many consumers have found relief knowing their assets are safeguarded.
4. Repayment Plan Proposal
After your formal application is signed we then notify the credit providers that you have pplied for debt review – see our DEBT REVIEW STEPS. DCGsa drafts an affordable repayment plan, consolidating all your debts into a single monthly payment. This plan is designed to fit your budget and is submitted to your creditors for approval. By negotiating reduced interest rates and extended repayment terms, we ensure the plan aligns with your financial goals.
5. Court Approval
For added security, the repayment plan is taken to court for approval. This step formalizes your protection under the National Credit Act, ensuring all parties adhere to the agreed terms.
6. Regular Monitoring and Support
Our support doesn’t end with the court order. We monitor your progress and offer ongoing assistance to keep you on track. If your circumstances change, we’re here to adjust your plan as needed.
Why Port Elizabeth Residents Choose DCGsa
Port Elizabeth locals trust DCGsa for our proven track record and compassionate approach. By completing a free debt review assessment, you take the first step towards a debt-free future. Many clients have shared success stories of reduced financial stress and regained confidence.
Take Action Today
Living in Port Elizabeth offers unique opportunities, but debt stress can hinder your enjoyment of life. Don’t wait until it’s too late. Contact DCGsa now to schedule your debt review assessment and let us help you find the financial freedom you deserve.
What the debt counsellor will need from you for the assessment
1. Your latest 3 months proof of income. (Payslips etc)
2. Your Latest 3 Months Bank Statements.
3.Any legal letters you have received from your credit providers. (letter of demands / section 129 letters)
