Debt Counselling - How it can help

Many South Africans are struggling with debt. With the rising costs of living expenses many individuals have looked for some relief through having a loan. It is, however when one cannot repay an individual loan or a number of loans that serious problems may arise.

The first active step to becoming debt free involves realising that there is a problem and asking for help. This can be done by contacting a number of highly trained and qualified debt counsellors in the country. Debt counselling involves being completely honest about your debt and the number of loans you have. Only when provided with all the information will a debt counsellor be able to assist you properly.

Debt counsellors can assist you to become debt free in the following ways:

Creating a monthly budget with the help of your counsellor

Drawing up a monthly budget will be one of the first things your debt counsellor will assist you with. The budget will allow you to repay your debt and give you enough left over to pay things that need to be paid such as groceries, rent, travelling fees and so forth. Naturally you may have to cut back on some luxuries, but if you are committed to becoming debt free this is a small price to pay.

Debt Counsellors act as a mediator between you and your creditors

Your debt counsellor will contact and speak to your creditors on your behalf. Debt counsellors are also able to negotiate better interest rates on your loans and may also have the payment terms adjusted to suit a new repayment schedule. Debt counsellors are also able to provide protection against creditors that are threatening legal action against you.

Long Term Counselling

Debt counselling is a lengthy process as it may take a number of years for one to become debt free. If one does not address the cause of the debt in the first place, one may become more susceptible to be in debt again. Expect an on-going relationship with your debt counsellor and remember, they are there to help you!

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