Debt Help SOLUTIONS
If you’re starting to look at your options when it comes to Debt Help Solutions and it’s making you feel overwhelmed, don’t hesitate to get in touch with Negociate Credit Solutions. We have every available Credit Solution in SA, all under one roof. You can rely on us to help you navigate your choices and explain in detail the differences between the various solutions that you might qualify for.
You can Turn to Us for Debt Help
Negociate Credit Solutions will guide you through all the steps so that you select the best Debt Help Option possible. We will also walk you through the advantages and disadvantages of each Debt Help Solution, including how your credit will be affected and how long it will take to rebuild your credit worthiness again.
Our Debt Help Services are confidential and unbiased. You can rest assured that you are in good hands with us.
Learn more about our Six Debt Help Options:
Debt Consolidation entails consolidating multiple credit facilities into one payment. The monthly installment becomes more manageable, interest rates are reduced and the terms extended to suit your needs. We can also obtain early settlement discounts on existing loans to reduce the overall debt.
Debt Free in 24 - 60 months
Credit Worthy within 3-6 months
Affordability is a criteria
Do not have to be Credit Worthy
No upfront costs. Costs included
Bond Consolidation is an option that is available to existing home owners who have built up equity in their property and can therefore use this Equity to settle short-term unsecured debt and vehicles. Equity is the difference between the current value of your property and what you still owe on it.
Consolidate Debt into your Bond
Credit Worthy within 12 months
Affordability is a criteria
Do not have to be Credit Worthy
No upfront costs. Costs included
Debt Review is a process whereby a Debt Counsellor re-negotiates your existing contractual agreements with Credit Providers. The new negotiated contracts have lower installment and interest rates and can be extended to terms not exceeding 60 months. Vehicles are extended back to 72 months.
Debt Free in 36-60 Months
Credit Worthy once completed
Affordability is not a criteria
Do not have to be Credit Worthy
No upfront costs. Costs included
Cash Sequestration allows you to make a fresh financial start. 80% of Debt is written off and the remaining 20% is paid in cash up front or paid off over a suitable term. Now instead of paying collection agencies installments that go mainly to legal fees, you can start saving for future goals or free up more monthly income.
Debt Free once Order is granted
Credit Worthy in 24-36 Months
Affordability is not a criteria
Do not have to be Credit Worthy
Application Fee
It’s good to know your Credit Score and what steps you can take to improve your score. We can help you improve your Credit Score. It may take up to 6 months to see a noticeable difference in your Credit Score - but it will all be worthwhile in the end, especially when you see the financial benefits.
Credit Score improves in 6 months
Access to Credit within 6 Months
Advice to keep improving your Score
Affordability is not a criteria
Application Fee
What is Voluntary Surrender?
Voluntary Sequestration is a High Court application that legally allows you to walk away from 75% of your debt. The remaining 25% is paid off over 18 months. Assets to the value of the 25% stand as surety for the 18 months until the 25% is settled. These assets are not removed from your possession.
Debt Free once the 25% is settled
Credit Worthy in 48 months
Affordability is not a criteria
Do not have to be Credit Worthy
Application Fee
Take Control of Your Financial Future
The first step to taking control of your current financial situation is admitting that your finances have gotten to the point where you need Professional Debt Help.
Tackle your debt now by booking a free confidential consultation with Negociate Credit Solutions today.
We are here to support you throughout the process, so you can eliminate debt for good.
