Debt Counselling / Debt Review

• Assess whether a consumer is over indebted 

• Restructure debt into a repayment plan

• Negotiate with creditors 

• Facilitate court orders

Financial Assessment / Affordability Assessment 

• Review income, expenses, and debt 

• Determine financial position 

Debt Restructuring & Negotiation

• engaging with credit providers,  

• Propose reduced instalments / extended terms 

Payment Plan Structuring  

• Consolidate multiple debts into one structured plan 

• Payments made via a PDA