• You skip payments on certain accounts in order to pay others;
• You borrow money to pay other debts;
• You cannot make all of your payments at the end of the month;
• Your bank has rejected a debit order in the past three months, because there were insufficient funds in your bank account;
• You are considering debt consolidation;
• You receive sms’s and calls reminding you of overdue payments;
• You receive letters and summonses from creditors and/or attorneys;
• You owe more than you own;
• Your spending, including what you have to spend to repay debt, is more than your income;
• You have judgements granted against you or
• You are often absent from your job as a result of debt stress.

If you answered ‘yes’ to one or more of the above signs, then you may be over-indebted and in need of our services. We look forward to speaking to you about how we can assist you. Please contact us right now.

Debt stress may lead to one or more of the following symptoms:

  • Insomnia – you have difficulty falling asleep or suffer from interrupted sleep patterns
  • Headaches
  • Anger
  • Depression
  • Anxiety
  • Severe stress
  • Lack of concentration (especially in the workplace)
  • Lack of motivation
  • Emotional outbursts
  • Interpersonal conflict

I am Already Over-Indebted and suffer from one or more of the above symptoms– What Now?

The worst thing you can do is nothing at all. By ignoring the situation there is only one thing you can be certain of and that is financial ruin. Act now. Contact us.