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What is debt counseling?
The National Credit Act formally introduced Debt Counseling to assist over-indebted consumers by developing a repayment plan which is both affordable to the client as well as acceptable to Credit Providers. This process is intended to assist over-indebted consumers struggling with debt, through budget advice, negotiation with credit providers for reduced payments and restructuring of debts. To qualify for debt counselling, you need to be over-indebted as defined by the NCA. This means that you cannot afford to meet your monthly credit obligations as well as your minimum living expenses.
Why Choose Us?
At Gold Leaf Financial Services we pride ourselves in delivering a professional service from day one right through to the end of the process. We have registered Debt Counselors, Qualified and Competent Attorneys in house as well as all over South Africa. We try to make the debt counseling process as smooth as possible by doing all the work for you, so that you can enjoy the benefits of the process and start with your stress free life from day one.
Reduce Installments
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Free Consultation
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We Do All The Work
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Quick & Easy
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FOR IMMEDIATE ASSISTANCE CALL 021 697 0939 NOW!
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The Debt Counseling Process
How it works
Complete Application Form
You complete an application form (Form16) and provide us with the details of all your Credit Providers. Consultations are done telephonically and by e-mail.
Assessment
We determine whether you are over-indebted, in other words, do your monthly expenses and debt exceed your monthly income?
We Inform Credit Providers
If you are over-indebted, we will inform all your Credit Providers and the Credit Bureaus that you are under Debt Review.
We Restructure Your Payments Plan
After receiving all the account information, we will restructure your payment plan and negotiate with your Credit Providers where necessary. Your restructured payment plan will reduce your monthly debt repayments to an affordable amount, leaving you with sufficient money for your living expenses.
Apply to make your restructured plan a court order
We will instruct our attorneys to apply to court 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.
Process Completed
When the process is completed you will be issued with a clearance certificate. We will also notify all credit bureaus that your debt commitments has been met and that your name be fully cleared, this will then make you credit worthy again, which means you can now qualify for your dream house, car etc.
What Our Clients Say
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Fill in the form below and a consultant will call you back today to help you resolve your debt problems in a few simple steps.