If any of your accounts are handed over to attorneys/ debt collectors before your debt counselling application, we will still be able to negotiate with the creditors to get these accounts included under debt review/ Debt counselling.
We will negotiate with the creditors who handed your account over and request them to withdraw the account from the attorneys and then get it included in the debt counselling process. If successful we will save you thousands of Rands in legal and attorney collection fees. If we are unsuccessful, we will then negotiate directly with the collections firm/ attorney and negotiate a lower monthly instalment to get the outstanding debt to be repaid. It will be an installment that will fit in to your new revised budget.