Free debt assessment.
Here we figure out whether you would benefit from debt review (whether you’re over-indebted) and what your best way forward would be. During this time we’ll give you a monthly budget – expertly created by our professional team. Your budget will make sure you have enough money to pay your debt (so you don’t fall behind) and cover your living expenses (so your family is looked after).

Repayment plan & proposal.
We go to your creditors on your behalf and negotiate with them for a new repayment plan you can afford. By the end of this step your creditors are happy, you are happy, and this makes us happy.

Legal confirmation.
Here we take your new repayment plan to court on your behalf. This is just a formality where the magistrate makes your debt review, and new repayment plan a court order. Your court order is what legally protects you, your home, your car etc. during your debt review. Step 1 – 4 happens in just 30 days!

Repaying your debt with our guidance & support.
You’ll feel great knowing your debt is being repaid, your family’s living costs are covered and your property is protected. Even if you hit a snag our expert team is here to assist and guide you every step of the way. With each month’s repayment you’ll be closer to your new beginning – free from debt.

Clearance certificate.
Success! Receiving your clearance certificate means you’ve tackled your debt head-on, stuck with the program and are now on the brink of your new beginning. Once you’ve settled your arrears, and are able to carry on with the original agreements you have with your creditors, you’ll receive a clearance certificate. *cue the well-deserved applause* This is a big deal since your clearance certificate gives you a clean credit record – so information about your debt and your debt review will be erased from your record.

Enjoy Your New Beginning
You’re now free form debt worries. And free to once again apply for credit, but do so cautiously, you have worked hard to reach this point. Don’t let reckless credit ruin your newly achieved freedom. Rather use your money to save for a successful financial future.