Debt Consolidation Made Simple with Sandton Debt Counselling
Are you Struggling to keep up with multiple debt repayments?
Do you feel like your bank balance disappears faster than a plate of hot chips at a braai?
Debt consolidation may help.
It bundles all your repayments into one manageable monthly payment.
Less stress. Less hassle. More control.
Steps to take before consolidating your debt
Step One: Have a look at your current financial situation
- Before making any decisions, it’s very important to know where you stand.
- How much do you owe?
- Who do you owe?
- What interest rates are you paying?
A clear picture of your debt makes it easier to choose the right consolidation plan. Sandton Debt Counselling will be able to assist you with this.
Step Two: Get Protection from Credit Providers
Are you tired of dodging calls from debt collectors?
Debt counselling stops creditor harassment so you can focus on getting back on track.
No more awkward phone calls. No more legal threats. Just a clear path forward.
Step Three: Compare Your Options
Not all debt solutions are created equal.
Some people go for a consolidation loan, which means taking out a big loan to pay off smaller ones. Sounds good, right?
Not always.
Most consolidation loans come with very high interest rates, sometimes 26% or more. That’s like putting fuel on fire.
A smarter option? Debt counselling.
Debt review or debt counselling restructures your debt into one affordable payment with reduced interest rates and legal protection. Your interest rates might be as low as 0%, so be sure to ask us about this, we are here to help.
Step Four: Do the Maths
Look at your current debt.
Check the interest rates.
Run the numbers.
If a consolidation loan costs more than your current debt, it’s a no-go.
Debt counselling, on the other hand, lowers your repayments and interest rates, and protects you from legal action.
What is Debt Consolidation?
Debt consolidation means rolling multiple repayments into one easy payment.
No juggling different due dates. No stress about who gets paid first. Just one fixed amount each month.
And no, this doesn’t mean taking out a new loan.
Debt counselling helps you consolidate your debt without adding more debt to your name.
The Debt Trap: How It Happens
We live in a world where everything is on credit.
New phone? Get a contract.
Latest sneakers? Let’s go for a store card.
Holiday? Just take out a loan, party now and worry later.
It feels easy at first. But before you know it, your monthly payments pile up.
Sound familiar? You’re not alone.
Over ten million South Africans are struggling with debt.
But here’s the good news, you don’t have to stay trapped.
We know how to assist you and have been doing this for more than 13 years. The assessment process is easy and within a few hours you could know what your future instalments will be. Our assessments are 98% accurate, some of the highest in the industry. And best of all? We will not charge you anything for the assessment.
Debt Review: The Smartest Way to Consolidate Debt
- One monthly payment instead of many
- Lower interest rates and affordable repayments
- Legal protection from creditors
- A clear plan to become debt-free
If debt is weighing you down, we can help.
Let’s get your finances back on track without taking on another loan.