about us
Why Use Real Debt Counsellors?

When applying for Debt Review at Real Debt Counsellors, you will be joining a company that cares about our client’s wellbeing and have their best interest at heart.We believe that a strong and experienced team is key to a successful Debt Review process , our assessment and debt review application processes have been made as easy as possible. The Debt Counsellors will always be available to assist, every step of the way. In conclusion, having a reliable and well trained debt review team behind you will make a big difference , and this is what you will get from us.


At Real debt counsellors we will assess your financial position. With the information we can gather from your assessment, credit report then we will compare your income and expenditure. So if you will be assisted in paying your debts.

Debt Counselling Benefits
Debt counselling benefits that make Debt Counselling such a great solution
  • Immediate Financial Relief.
  • Your monthly instalments will be reduced by up to 50% as early as your next payday.
  • You will only pay one affordable monthly instalment.
  • You will have sufficient funds for other living expenses.
  • Credit Providers communicate with us – not with you!
  • The National Credit Act protects you from being Blacklisted.
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Assessment

Welcome Real Debt Counsellors would like to welcome and congratulate you for taking the first step to financial freedom and getting out of the spiral of bad debt, your decision and action speaks of responsibility and intelligence.  We will assist and guide you every step of your journey  to a debt-free life.


What will be needed

Included in this document you will find a form that you need to complete and submit to us in order to get the Debt Counselling process started.

STEP:1

Please include the following when submitting this form:

  • Copy of all identity documents
  • Copy of payslip
  • Bank Statement
  • Proof of Residence
  • Statements of all Creditors (not older than three months)
STEP 2:
  • From this point, we will take over all negotiations with your Creditors
  • We will capture all relevant information on our systems
  • The National Credit Regulator will be informed about your application
  • We will obtain your latest Certificates of balances (COB) from your Creditors
  • We will check for reckless credit
STEP 3:

We will make an assessment whether you are over in debt or not and inform your creditors accordingly

If found that you are over in debt we will provide your Creditors with a proposed repayment plan and negotiate terms and interest rates with them


STEP 4:

As soon as an agreement between ourselves on your behalf and your Creditors are reached, your matter will be revered to your local Magistrate Court where the Court will make an order confirming our repayment plan to the Creditors.

STEP 5:

As long as you keep to the payment plan as agreed and ordered in Court, all creditors must adhere to this.

We will issue you with a Clearance Certificate when you make your last payment and you will be considered a credit active person again.