1. Complete application form
Complete application form and upload ID copy and payslip (If married in Community of Property upload spouse’s ID and payslip if working.

2. Consultant will call you
If you qualify our consultant will send you an application form (Form 16) to sign and return to us.

3. Notify your Creditors
Once we receive your application form we immediately notify your creditors that you have applied for debt review and that you are protected in terms of the National Credit Act.

4. Negotiate a New Payment Plan
We request confirmation of your loan agreements from your creditor providers and negotiate and restructure your repayments to an amount you can afford.

5. Pay a Single Affordable Monthly Instalment
You pay one easy monthly instalment via an accredited PDA (Payment Distribution Authority) who distributes the funds to your credit providers in accordance with your restructured payment plan.

6. Make the Approved Plan an Order of the Court
Our panel of Attorneys apply to the Magistrates Court on your behalf to make the restructured repayment plan an order of the court binding your creditor providers to the agreement.

7. Your Debt is Paid Off
Once your debt is repaid or you have resumed normal repayments we apply for a clearance certificate and notify the credit bureaus to clear your credit record.