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- Complete and sign your application form at your local facilitator. In order to process your application, please remember to bring along the following documentation:
- a copy of your ID,
- three months' salary advice,
- three months' bank statements, and
- your latest creditor statements
- Open a savings account and inform your employer to deposit your salary into your new account.
- You will be registered on the NCR database. You now have immediate protection against legal action and blacklisting.
- We will take over all negotiations with your creditors ensuring you are protected.
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- Within two working days a personal consultant will contact you to discuss the details of your application.
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- Once you have signed the application form, your creditors will be notified within five working days.
- Should you sign the application after the end of the month, you would only pay a part of the instalment, ensuring you can still afford your most important living expenses.
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- Your Personal Payment Plan, which is a formal debt restructuring scheme, will be sent to all creditors within 25 working days after you have signed the application form.
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- A court date will be obtained from your local magistrate before 60 working days after the signature date.
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- Your debt counsellor will apply for restructuring with the local magistrate’s court. The court will make a decision on an appropriate court date – this ends the process. Monthly payments are made according to your repayment plan.
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