Debt Budget differs from other debt companies in that we offer a realistic range of services.
Debt Budget was established in 2009 in Wynberg, Cape Town, however the company now operates nationally and is able to bring debt counselling cases in any jurisdiction.
We have an excellent relationship with all Credit Providers in South Africa.
Over 5 year’s extensive experience.
Through strategic partnerships we are able to process applications fast and effectively.
Each consumer that enters our process is appointed a dedicated Debt Counsellor that will assist the consumer with any query from the beginning to the end of the process.
We understand the seriousness of your situation and will always endeavour to provide a trusted and transparent service to all our consumers.
What is Debt Budget – Debt Counselling?
Trained Debt Counsellors (called Debt Counsellors) will help you to deal with your debt. Debt Budget will deal with your creditors and come to an agreement that allows you to cover your living expenses and apportion the remainder of your available funds to your creditors. Debt Budget will conduct an independent enquiry into your financial circumstances and make recommendations to Credit Providers and the courts concerning restructuring your debt or even suspending “reckless” credit agreements. You may not actually be “Over-Indebted” and qualify for “Debt Review”, in this case Debt Budget will assist you to work out a better monthly budget which will enable you to repay your debts effectively.
What is Debt Review?
The process begins with your application and ends with the issuing of a Clearance Certificate once all your debts have been settled.
What does it mean to be Over-Indebted?
While this is now a legal term it basically means that anyone who, after deducting living expenses from their net salary, has less cash left over than the installments on their total debt, may apply for counselling with us as they are probably “over-indebted”.
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