Unfortunately, to be able to qualify for our program you must be employed or receive regular and consistent income, even if the income is a social grant, UIF or pension.

If you are experiencing a loss of income because of COVID-19, please visit the South African Government's official online resource and news portal to see what relief measures are available for individuals and businesses. Here is the link to that page: www.sacoronavirus.co.za/guidelines-and-relief/

You can also negotiate with your creditors directly to see if they can offer you some sort of breathing space for a few months. Pay them as far as you can. If too much time passes and you still are not able to make payments to your creditors they will most likely Summons you. You will then be able to explain to the court why you are unable to pay and ask the court to give you 3-6 months to find a job or a form of income. Do not stay away and ignore the Summons. Show up at the court and state your case.

You can also contact the  Credit Ombud or National Credit Regulator to see if they have options available to assist with your current situation.

Hope this info helps.

Before considering our program we would advise that you try to negotiate with your creditors first. 

Many South Africans don't know this, but you have the right to negotiate with your creditors if you are having trouble repaying your accounts. Here is what you need to negotiate with each creditor:

• A written motivation explaining your financial situation and why you need a leniency period.
• A budget that shows your cash flow. 
• A timeline on how long you will need a leniency period on your payments. 
• Calculation on how much you can pay the creditor during the leniency period and how you plan to catch up with your payments after the leniency period is done.

If you have negotiated with your creditors, but still find that you are falling more into arrears, then you are welcome to contact us for assistance and we'll see if and how we can help to fix your debt.