Black Friday deals are tempting but can also be a trap unless you apply responsible shopping principles. It may have started as a time of big discounts and super savings in the United States, but it has quickly become a harmful “tradition” worldwide. Don’t fall into the trap of believing […]
Garnishee orders are a last-ditch resort for creditors to get back the debt owed to them. While they aren’t as common today as they were a few years ago, they are still a reality for many South Africans. What is a garnishee order? A garnishee order is when a creditor […]
Being under debt review may feel like you’ve been cut off from many normal parts of life; including getting loans. For example, purchasing clothing on an account, applying for a home loan, or buying a new car. All of these things require extra cash and approval by a creditor. If […]
There are many misconceptions about being under debt counselling; for example, can I lose my car? Do I need a debt counsellor, and what can they do to help? Not much in life is as stressful as carrying around too much debt – especially when you have no way to […]
The South African Reserve Bank upped the repo rate with 50 base points instead of the predicted 25 points. This takes the repo rate to 7.75% and the prime lending rate to 11.25%, making it the highest lending rate since 2009. Our finances are affected by many factors throughout our […]
The first thing you have to know is that you need to trust your finances with reliable debt counsellors. While many debt review specialists are available online, choosing the first Google search result isn’t always the best idea. Instead, find an NCR-registered debt counselling service with a genuine heart for […]
We are incredibly honoured to be recognised as one of the Top 10 Highest-Rated Large Debt Counselling Practices in South Africa, a 2022 Debt Review Awards category. The Debt Review Awards is an industry Awards Program which is specific to the Debt Counselling and Debt Review Industry. All NCR Registered […]
According to debt collection laws in South Africa, creditors are obliged to talk to a debt counsellor while you are under Debt Review. They cannot legally reach out to the individual. So what happens if a creditor does try to contact the person? Debt collection laws in South Africa First […]
Not paying attention to these four bad money habits can lead to over-indebtedness very quickly, especially considering South Africa’s interest rate hikes and a worsening economy. Bad money habit 1: Forgetting to budget Do you know how much you’re spending and what you’re spending it on every month? Or are […]
When love is in the air it’s only expected that you’d want to avoid conversations about the legal consequences of signing a marriage contract. However, tying the knot can change your financial circumstances dramatically, especially where debt is involved. Years down the line you may find that you’re shouldering the […]
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