It is our goal to be your “one-stop” debt solution centre, providing convenient and efficient service. The solutions we design are based on years of experience in the legal and financial services industry, specialising in debt remedies. We know how the system works. We are committed to developing the right plan for you. Different people have different circumstances and needs. Hence, in an effort to serve you better, we provide customised debt solutions.
Debt
Counselling
Reckless Lending
Assessments
Prescription
Counselling
Why use us
We are your “one-stop” debt solution centre offering convenient and efficient service, multilingual assistance, years of experience in the legal and financial services industry and we know how the system works. Our expert consultants working with specialist attorneys will liberate you from the debt trap.
How we work
We are committed to excellence and have the experience to develop the right plan for you. We understand that different people have different circumstances and needs. Hence, to serve you better our specialists will provide a customised solution to assist you to regain control over your finances, life and future.
Benefits of our services
- Pay only one affordable monthly instalment
- If not already listed, you will be protected from being blacklisted
- Credit Providers must communicate with us, not you
- Repossession of your assets prevented where possible
- Acceptable standard of living while repaying your debts
- Debts reduced to manageable levels
- Become debt free with a clear credit record
COVID-19 has resulted in 85% debt stressed consumers in South Africa. The worst thing consumers can do now, is nothing at all. Consumers suffering under the yoke of over-indebtedness can consult us for advice on how to switch from debt stressed to debt free.
Support and guarantee
We ensure our best efforts in securing a positive outcome for all our clients.
What will a Debt Counsellor do for me?
- Restructure your debts;
- Negotiate with credit providers, on your behalf, to lower your instalments;
- Reduce your debts to manageable levels with the aim of improving your overall financial situation;
- Provide you with basic information necessary to resolve your day-to-day credit problems, to avoidbeing caught in the same debt trap;
- Provide you with support and after-care services such as budgeting skills; and
- Monitor your payments to credit providers.
What will you do for me?
- Conduct assessments to determine if grounds exist to regard any of your credit agreements as reckless;
- Give you legal advice;
- Deal with creditors on your behalf;
- Instruct and deal with Attorneys on your behalf, where necessary;
- Provide you with basic information necessary to avoid being caught in the same trap; and
- Provide you with support and additional services such as budgeting skills.
What will you do for me?
- Conduct assessments to determine if any of your old debts have prescribed;
- Give you legal advice;
- Deal with creditors on your behalf;
- Instruct and deal with Attorneys on your behalf, where necessary;
- Provide you with basic information necessary to avoid making payments that are no longer collectable; and
- Provide you with support and additional services such as budgeting skills.
What will you do for me?
- Help you if you cannot pay your debts, have judgements or have debt obligations that do not qualify for inclusion in Debt Review.
- Give you legal advice;
- Explain your situation to your credit providers by negotiating with Attorneys on your behalf, and make arrangements to lower your instalments;
- Make realistic arrangements so that you can stick to the payments agreed upon;
- Provide you with basic information necessary to resolve your day-to-day credit problems, to avoid being caught in the same debt trap;
- Provide you with support and additional services such as budgeting skills.
- Specialist Attorneys are also available to provide advice and guidance.
What can you do for me?
- Our specialist Attorneys will assess your case;
- Give you legal advice;
- Once notified, credit providers must communicate with Attorneys appointed by us, not you;
- Should credit providers not comply with the provisions relating to maximum rates and fees stipulated in the Act, the National Credit Tribunal may:-
- declare a contract unlawful and therefore in effect null and void.
- all payments made by you will have to be refunded together with interest.
- credit providers will not have any claim for damages arising from the depreciation of goods sold to you.
- Credit providers have to write off the balance or refund you when:-
- the sum of interest, charges and costs > outstanding debt at time of default
- Enjoy the advantages resulting from reduced repayment obligations
Debt Counselling
What will a Debt Counsellor do for me?
- Restructure your debts;
- Negotiate with credit providers, on your behalf, to lower your instalments;
- Reduce your debts to manageable levels with the aim of improving your overall financial situation;
- Provide you with basic information necessary to resolve your day-to-day credit problems, to avoidbeing caught in the same debt trap;
- Provide you with support and after-care services such as budgeting skills; and
- Monitor your payments to credit providers.
Reckless Lending Assessments
What will you do for me?
- Conduct assessments to determine if grounds exist to regard any of your credit agreements as reckless;
- Give you legal advice;
- Deal with creditors on your behalf;
- Instruct and deal with Attorneys on your behalf, where necessary;
- Provide you with basic information necessary to avoid being caught in the same trap; and
- Provide you with support and additional services such as budgeting skills.
Prescription Inquiries
What will you do for me?
- Conduct assessments to determine if any of your old debts have prescribed;
- Give you legal advice;
- Deal with creditors on your behalf;
- Instruct and deal with Attorneys on your behalf, where necessary;
- Provide you with basic information necessary to avoid making payments that are no longer collectable; and
- Provide you with support and additional services such as budgeting skills.
Debt Mediation
What will you do for me?
- Help you if you cannot pay your debts, have judgements or have debt obligations that do not qualify for inclusion in Debt Review.
- Give you legal advice;
- Explain your situation to your credit providers by negotiating with Attorneys on your behalf, and make arrangements to lower your instalments;
- Make realistic arrangements so that you can stick to the payments agreed upon;
- Provide you with basic information necessary to resolve your day-to-day credit problems, to avoid being caught in the same debt trap;
- Provide you with support and additional services such as budgeting skills.
- Specialist Attorneys are also available to provide advice and guidance.
Consumer Protection
What can you do for me?
- Our specialist Attorneys will assess your case;
- Give you legal advice;
- Once notified, credit providers must communicate with Attorneys appointed by us, not you;
- Should credit providers not comply with the provisions relating to maximum rates and fees stipulated in the Act, the National Credit Tribunal may:-
- declare a contract unlawful and therefore in effect null and void.
- all payments made by you will have to be refunded together with interest.
- credit providers will not have any claim for damages arising from the depreciation of goods sold to you.
- Credit providers have to write off the balance or refund you when:-
- the sum of interest, charges and costs > outstanding debt at time of default
- Enjoy the advantages resulting from reduced repayment obligations
What our clients say about us
“I would like to you thank you for your wonderful work, from the beginning of the process you were just the best💯. I really appreciate you for your quick responses to the emails as well.”
“I would just like to acknowledge the exceptional & professional service I received from Nikita, she made the process very easy and comfortable to deal with, Thank you for keeping me updated throughout the whole process & you are truly a STAR!”
“Recommendation letter: I am writing this letter to thank you about help that you did for me. Thank you very much to Debtswitch”
“Wow that’s great feedback😊 Thank you for your great service”
“Not all the time in institutions where you will find an individual who will go out of her way ti ensure that the client is 150% satisfied. I would like to send my most gratitude for an excellent service you gave me its highly appreciated.”
Associations
