The main concern of people in debt is repossession of their assets, like their car. This leads to the popular question of “Can I lose my car if I go under debt review?” The simple answer is no. This is because when you enter under debt review, your assets are protected under the NCA (national credit act).

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We’re often asked if debt review is good or bad and it all depends on your circumstances. If you find you are falling into arrears and you can no longer service your debt with the money you get in each month, you could be over—indebted.  If you are, then debt review is the solution for you. Since debt review was introduced by the NCR National Credit Regulator in 2007 it has provided much need relief for many consumers. Debt review can help relieve stress and anxiety from not being able to pay your debt. Your assets are protected from repossession and at the end of the process your credit record is restored.

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Are you in debt and struggling to pay it off? Are your assets in danger of repossession? Debt counselling may be the right path for you to take. Debt counselling can reduce your debt repayments to an affordable rate so that you can pay off your debt and have money left over to pay for everyday expenses.

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You have probably heard about debt counselling and may be thinking it is a process that can benefit you.  We’re often asked how long the process can take.

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You can never predict when an emergency may happen and what that emergency might cost you. It could even add to your already growing debt Be prepared and start saving up an emergency fund so you can be financially prepared for when life happens.

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Did you know that geysers are accountable for more than 50% electricity bill? This means your geyser is the most energy consuming item you own. Below are some tips to help reduce how much electricity your geyser consumes and in turn reduce your monthly electricity bill.

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Most people save up to buy something they want. Have you ever saved your money just to save? What’s the point? You might ask. Well here are some benefits to why you should start saving today.

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No one likes to  admit they are struggling with debt. But it is important to know that many South Africans are in the same position. There are over 8 million credit-active consumers are deemed ‘over-indebted’. This means more than half their salary is going towards servicing their debt and many have missed repayments and found themselves to be in arrears.  There is help available. Don’t be afraid to ask.

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