The Debt Calculator will help you calculate your monthly budget. There are three outcomes:

If you are over-indebted, we can help you by reducing your monthly installments and Interest rates. This will give you financial breathing space each month.

If you are not over-indebted,

but struggling and likely to be in the near future, we can still assist you!!

If you are not over-indebted,

but need professional advice please contact us

Becoming Debt Free use our Debt Calculator

Debt Counselling process:

First of all the debt counselling process is very useful when times are tough and you cannot afford to pay each creditor what they are owed every month, make use of our debt calculator.  Debt counselling makes it possible to repay a reasonable amount every month to help reduce your debt, bit by bit.  The goal of every debt review is to pay up the debt and become debt free.  This means that a consumer can then re-enter the credit market with a clean slate, better equipped to manage their future credit use. Therefore Our debt calculator immediately give you the outcome. Contact us and see how we can help you.

Furthermore Some people are able to leave the debt review process after a short time because they begin to earn more money.  This means they no longer need debt review.  With the help of their debt counsellor they make arrangements with all their creditors to resume normal payments and credit use. Especially relevant is the use of our debt calculator to accurately calculate your budget.

While other consumers are, over time, able to repay their debts according to the debt counsellor’s plan and Court Order and eventually pay up all their debts.  They are then also debt free.

Most of all, whether ending early or according to the plan, the debt counsellor will help the consumer with the appropriate paperwork including a clearance certificate which shows which debts are paid.  This information is also updated at the credit bureaus, who then remove any relevant information about the consumer’s debt review and debts.

In conclusion, getting out of debt is a big deal.  Very few people are able to say they are debt free.  By sticking to the debt counsellor’s plan and never missing payments, consumers will be able to use the debt review process to not only repay their debts but learn to better manage their finances.  This training helps them to build a better financial future for themselves and their family. We recommend that you visit DCASA Debt Counsellors Association of South Africa site to make sure you deal with an accredited Debt Counsellor. Also visit the NCR National Credit Regulator to see if your Debt Counsellor is registered.