If you are battling to pay your debts, please don’t wait until it’s too late.  We here to assist consumers from having their assets repossessed and to achieve financial freedom.

Contact

(011) 568 7730

Honeydew Ridge, Gauteng

lnfo@refinedebt.co.za

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want to Regain Financial Control?

We Can Help You

If you are over-indebted, please don’t wait until it’s too late

Reduce your monthly instalments 

We'll Contact You!

Important information before you get started

Re-arrange your debt

We Refine your debt from beginning to end of the process

Consumer Education

We consult with consumers before their debt spirals out of control and formulate a financial plan that suits their needs and lifestyles. We are committed to empowering the consumer with knowledge.

Refined Solutions

We’re dedicated to finding the right solution to get you on your debt-free journey in an effortless manner. We Refine all of our debt relief solutions to your circumstances and budget. Protecting the consumer is our main objective.

Corporate Wellness

We provide solutions to staff who are finding themselves in the debt spiral, which could be due to any number of reasons and also work through HR to facilitate talks on financial wellness and when to seek help.

We aim to accelerate the rehabilitation of the consumer's over-indebtedness

Consolidate your debt into one affordable payment at reduced interest rates

Debt Counselling, which is also referred to Debt Review, is a debt relief measure provided for in the National Credit Act, to assist over-indebted consumers that are struggling to pay their debts on a monthly basis and for the Debt Counsellor to negotiate a restructured payment plan.

Debt review is a formal legal debt solution process that is governed by the National Credit Act 34 of 2005 whereby a registered Debt Counsellor negotiates on a consumer’s behalf with credit providers to find a repayment plan that best suits the consumer’s affordability.  In 2007, the National Credit Act formally introduced Debt Counsellors to assist over-indebted South African with the opportunity to apply for debt review.

We are registered with the NCR in terms of Section 44 of the National Credit Act to assist consumers who are experiencing debt-related problems and are having difficulty making their monthly repayments by providing our clients with a restructured payment plan, negotiating with credit providers on behalf of our clients, budget advice, counselling, support and mediation with credit providers, together with an after-care service while under debt review.

We work closely with our clients in the Debt Review process, thereby enabling them to make small monthly payments and have more money in their pockets at the end of the month.

Credit providers cannot take legal action against you if you go under Debt Review.

We keep all your information confidential.  Our registered Debt Counsellors fixes debt within the firm jurisdiction of the National Credit Act (NCA) – with our process closely monitored by the National Credit Regulator (NCR).

Signs of being over-indebted:

  • If you are over-indebted and falling behind on your debt repayments, our Debt Counsellors can protect your assets by consolidating all your debt into one monthly payment based on your personal circumstances.
  • You have a consistent income but still falling behind on paying your bills.
  • Struggling with payments that are in arrears and you receiving letters and inundated with phone calls from creditors due to arrears instalments.
  • When you borrow on a regular basis.
  • When your loan application was declined due to affordability.
  • When you are using a credit card or retail store card to buy groceries or to pay other basic living costs, debt and other instalments.
  • Losing sleep and not knowing how you going to find additional money to pay your debt.
refine debt solutions

Benefits of entering Debt Review

You would only pay one affordable instalment.

  • Consolidate your debts into one easy, reduced payment without taking any further consolidation loans.

Reduced monthly payments, thereby enabling you to service your debts and have sufficient funds for living expenses.

While under Debt Review you will have legal protection against creditors and your credit providers will communicate with us and not with you.

You are protected from being blacklisted while under Debt Review.

Why Debt Review:

  • Consumers who are struggling to pay their debt while making ends meet can apply for Debt Counselling:
  • Debt Review will legally protect you against creditors.
  • Debt Review means that you no longer communicate with your creditors and your Debt Counsellor will communicate with your creditors.
  • Debt Review protects you against legal action.
  • Debt Review provides personalized affordable monthly budget to the consumer.
  • You pay one reduced monthly repayment to a Payment Distribution Agency, and they pay all creditors on your behalf.

Consequences of entering Debt Review

  • You are not allowed to have more credit while undergoing Debt Review.
  • It does cost a little bit of money, but the fees are set by law.
  • Your debts might take longer to pay off as a result of paying smaller amounts each month.

What we offer:

  • We work with clients before seeking the assistance of Debt Counselling, to help them before they become over-indebted.
  • Free consultation to assess the full extent of your debt situation;
  • Assess your assets that may be taken into account;
  • A dedicated Debt Counsellor;
  • Provide a debt remedy that:-
  • Provides you with an acceptable standard of living while repaying your debts according to your affordability – this includes retaining the home and vehicle where possible;
  • Provide you with an agreed, affordable and realistic monthly budget in order to resolve the situation in the shortest possible time;
  • Provide a repayment scheme, acceptable to your creditors and confirmed by the court;
  • Prevent repossession of assets where possible;
  • Rehabilitate you without detriment for the future, and;
  • Allow you get on with your life.
Refine Debt Solutions

We can reduce your monthly repayments, without taking a loan!

Alleviate Stress

We work closely with our clients and their credit providers to ensure the best possible outcome for our clients so that they can live a well balanced and stress-free life. 

Regain Financial Control

We have successfully restructured our clients debt that results in them rehabilitating their over-indebtedness situation within the shortest possible period, given the particular circumstances and available debt re-arrangement measures we have put in place in consultation with our clients. 

Stop Creditor Harassment

All calls and harassment from creditors will cease once they are informed by us that you are signed up  for Debt Review.

Estimated Reduction