“The best thing that money can buy is the freedom from worrying about money.”
As the prices increase, and your salary remains the same, the debts become unbearable. When we buy on debt, take out loans, opt in for a credit card to lessen the monthly burden of financial troubles, we inadvertently dig ourselves into a place of no return. Are there solutions? Is there help? How does this help work?
Let us take a better look at the process of Debt Review.
Have you found yourself in a place where you wish the debt would disappear? Or perhaps you secretly wish it would become just a little less. Trying to budget for groceries and keeping everyone around you happy is a difficult task. Especially in the country we live in. Our economy does not look kindly on those households with a single salary.
So, here you are. Almost drowning in debt, holding tight onto the floating idea of one day making it out and not being blacklisted. Every moment of your life is spent on trying to find a solution. What is Debt Review? Debt review has a public opinion of being a terrifying process. Perhaps it is because humans have a natural fear of the unknown. This is why we have chosen to show you exactly what the process looks like.
Step 1 – Realise You Need Help and Debt Review might be The Right Option
It’s the time of the crunch. That week before month end, when you know that there will be no money left after paying your debt. How will you feed your family with the prices increasing? There is no money for extra items which are on your ‘needs’ list, and you simply wish the end of the month would stay away.
Deciding to choose debt rescue before this point is wise, but at this point you can still be saved by calling a debt counsellor.
So, now you know you need help.
Step 2 – Making Contact
We need to know that you need help, so that our registered debt counsellors can have a chat with you and see where we can best help you. Each debt counsellor is emotionally available to understand and empathise with your situation. This is important, because over-indebtedness is linked to excessive stress levels and sleepless nights. You need a compassionate expert on your side. You need someone who can navigate the legal process as well as accommodate your unique situation in the debt review process. This is what we offer.
Step 3 – Accepting Help
South Africans are proud people. We generally have a difficult time asking for help. But help is available. A debt counsellor will guide you through the process and can answer any questions you may have over the phone. Debt Rescue offers a non obligation assessment for you, free of charge, to review how we can reduce your instalments and by how much.
Once your debt counsellor has calculated your renewed budget, and shown you how much you can reduce your monthly instalments by,, you need to choose to accept the help that is offered. This means that you sign the required documents, and proudly choose Debt Rescue to be your guardian through this process.
Step 4 – Get a Good Night’s Rest
Yip, this is it. You agree to accept our help and allow us to negotiate your path forward with a single reduced payment, and you get a great night’s sleep. You see, Debt Rescue contacts your creditors and explains your situation. We do the calculations; we do the negotiations, and we do the protecting. We shield you from creditors, from lawsuits and from any harm done to your name.
Step 5 – Pay Only What You Can Afford
When that end of the month week arrives, you simply pay the agreed upon amount to us. We pay your creditors, and we ensure that you can spend less on debt and more on life. Why? Because Debt Rescue is in the business of helping South Africans. We make sure that you live life, and do it stress free by only paying what you can afford.
I think to the quote from the book, turned movie by Frank Herbert:
“I must not fear. Fear is the mind-killer. Fear is the little-death that brings total obliteration. I will face my fear. I will permit it to pass over me and through me. And when it has gone past, I will turn the inner eye to see its path. Where the fear has gone there will be nothing. Only I will remain.”
Fear is something which should never lead our lives. If you are struggling, or if you see a tough time coming in your life, make provisions. Put stable plans in place. One of these, which is there to ensure that you are safeguarded, is debt review.
Give our Registers Debt Counsellor a call, have a chat and find out what your options are.
The choice is always in your hands, remember that.