We consolidate all your debt repayments into one affordable instalment. We reduce monthly debt payments according to your budget and lower interest rates to keep the repayment term fair.
YOU ARE LEGALLY PROTECTED
Being under debt review means that debt collectors will no longer be able to contact you directly and your assets will also not be repossessed.
REDUCE YOUR DEBT BY UP TO 60%
We will negotiate with your credit providers and your TOTAL debt could be reduced by up to 60%.
MAKE ONE CONSOLIDATED PAYMENT
Instead of paying multiple accounts, you only make ONE reduced monthly payment to cover ALL of your costs.
The best way to protect your assets, unlock cash, and prepare you for a healthy financial life after debt.
You will become debt free within 24 - 60 months
It is a formal solution for over - indebted consumers governed by the National Credit Act of 2007
We will help you draw up a realistic monthly budget
Your debt counsellor will thoroughly review your budget with you.
Through our negotiations with your creditors, we reduce your monthly debt payments, unlocking more cash for living expenses
We negotiate with your creditors to reduce your interest rate.
We have mandates to negotiate your terms and interest rate with 95% of credit providers. That has allowed us to negotiate our clients' credit interest rates from 27.5% down to 2.50%, on average.
Our counsellors understand that being over indebted is stressful and frightening. They help you understand your situation (debt review), draw up a solid financial plan (debt management), and negotiate a structured debt repayment plan with your credit provider (debt remedy).
Your registered debt counsellor will negotiate with your credit providers on your behalf.
Credit providers and debt collectors may no longer harass or threaten you.
Your home, car and salary will be safe from repossession.
Your debt will be consolidated without you needing a loan
You will only make one monthly repayment
Your monthly instalments will be reduced
You will be able to afford your living expenses.
You will only pay what you can afford.
It doesn’t leave a permanent record on your credit profile.
All of your debt counselling fees will be part of your repayment plan.
087 188 6963/6964
enquiries@credixdebtmanagement.co.za