Debt counsellng - Durban

Good day

Just to give you a brief understanding of the services we offer with regards to Debt Counselling we are able to do the following;

•Negotiate and decrease your monthly instalments to all creditors thus reducing instalments by up to 60%.
•Negotiate and decrease interest on each of those accounts to below 12%.
•Stop repossession of goods and avoid your name from being blacklisted.
•File presented to court to legalise court order so creditors cannot refuse or take legal action.

Life Circle is NCR accredited and the entire process is legal.

Please advise if you are single or married, if married in COP due to the legal aspects of the NCR Act both yourself and your partner will need to undergo the process.

For the FREE ASSESSMENT email me a list of your accounts and estimated monthly installments.
From this information I will show you exactly how much money you can save on a monthly basis.

The term for the payments may be slightly extended now that you are making smaller payments but what we concentrate on is that you can afford these payments and are able to live comfortably.
Please note that you will not have access to further credit facility only for the period of review. It is a voluntary process and you can withdraw your application if you feel that you can now afford to pay your debt.

What we will require to get started is; [both you and your spouse]
•Copy of ID
•Copy of Pay slip
•Bank statement

With regards to the cost for our service it is incorporated into the process of Debt Review.

To enable our clients to afford the services it is regulated by the NCR that for the first 60 days you do not need to make payments to any creditors as they are aware of the 60 day rule for Debt Counseling clients; which then allows you to cover the cost for Debt Counseling[month 1] and Attorneys fee[month 2]. The amount is regulated by the NCR.

The funds are paid into a Trust Account regulated by the NCR and the PDA[Payment Distribution Agency] and in those two months they transfer what is due to us as regulated.

Please note that from the 3rd month all creditors receive payments and this is also regulated by the NCR and all creditors are aware of this.

The entire process from the Debt Counselors side needs to be completed within those 60 days. At the end of the process and when accounts are paid up, a clearance certificate is issued which means your name and credit score is restored and you start off with a clean slate.

For more info you can read up on the NCR website as this initiative by the government and ourselves is to assist individuals live a more comfortable life.

www.ncr.org.za
www.thelifecirclegroup.co.za

If you have further queries, feel free to contact me directly.

Many Thanks

Michelle
0318221876