No, the National Credit Act prohibits you from getting more credit while in Debt Review.

The reason is that your reduced instalments are precisely calculated according to your current debt obligations and living expenses. Also, getting more credit while already struggling with your debt will be seen as reckless in the eyes of the law, and will add to your debt worries.

But, once your Debt Review program is successfully completed we will send a Clearance Certificate to your creditors and the credit bureaus. They are then required by law to remove your default listings and your Debt Review listing from your credit profile – leaving you with a fully restored credit profile, leaving you free to apply for credit once again.

No, our Debt Consolidation program is not a consolidation loan, but rather a safer alternative to consolidate debt.

Consolidation loans have high interest rates and strict requirements – most people, are not able to qualify for it. On top of that, it offers zero legal protection against your creditors.

A consolidation loan is not considered a feasible solution to indebtedness

since you are in reality borrowing more money to pay for your debt, adding to your debt pile.

Unlike consolidation loans, our Debt Consolidation program restructures your credit obligations to an affordable, consolidated, repayment plan, while protecting you from specific fee structure will look like we suggest requesting a free debt assessment (no obligation required).

Debt Counselling is a professional service so there are fees involved. But, there are no up-front fees because our fees are paid by your instalments and are built into your restructured payment plan.

The fees are set by the National Credit Regulator and are the same for all debt counsellors. Here are the types of fees you can expect:

• Debt Counselling Fee
• Legal Fee

• Aftercare Fee
• Payment Distribution Agency (PDA) Fee
• Credit Life Insurance Fee

Most of the fees will depend on the amount of your repayment and will differ from person to person. So, to get a better idea of what your specific fee structure will look like we suggest requesting a free debt assessment (no obligation required).