If you are feeling overwhelmed and feel that debt has taken over your life, don’t despair.
Download the below information pack which contains an info graphic that will give you a better idea of the debt counselling process and how we can we can help you obtain debt relief.
https://www.zerodebt.co.za/wp-content/uploads/2015/01/debt-counselling-640x410.jpg410640siteadminhttps://www.zerodebt.co.za/wp-content/uploads/2018/10/logo-PROPER-300x68_zero-padding-cropped-271x64.pngsiteadmin2015-01-15 11:19:002018-12-11 16:17:31Opting for Debt Counselling
Second to a house, a car is mostly likely the average person’s largest debt. Not all of us live within walking distance from work, or if we do, it might not be safe. In today’s society, a reliable car is a necessity. However, if you are…
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Stuck in Personal Debt? Daily lifestyle tweaks that will help!
If you are trapped in personal debt, ignoring the problem won’t make it go away. Instead, it will only worsen your financial troubles. Many (if not most) of us are creatures of…
https://www.zerodebt.co.za/wp-content/uploads/2014/10/piggy-bank-276x183.jpg183276siteadminhttps://www.zerodebt.co.za/wp-content/uploads/2018/10/logo-PROPER-300x68_zero-padding-cropped-271x64.pngsiteadmin2014-10-02 09:28:592018-12-11 16:38:30Stuck in Personal Debt?
The dangers of using a credit card
Nowadays, credit cards are nothing out of the ordinary: many people even have a few of them. This reality is, of course, with good reason. It is true that a credit card offers many advantages.
https://www.zerodebt.co.za/wp-content/uploads/2014/08/credit-card-swipe-255x198.jpg198255siteadminhttps://www.zerodebt.co.za/wp-content/uploads/2018/10/logo-PROPER-300x68_zero-padding-cropped-271x64.pngsiteadmin2014-08-02 08:52:312018-12-11 16:39:34The dangers of using a credit card
The Power of Buying Second Hand
In today’s tough financial times, everyone is struggling to make ends meet. Many people dismiss second hand buying without a second thought, losing out on a powerful, untapped savings solution.
https://www.zerodebt.co.za/wp-content/uploads/2014/07/second-hand-decor-286x176.jpg176286siteadminhttps://www.zerodebt.co.za/wp-content/uploads/2018/10/logo-PROPER-300x68_zero-padding-cropped-271x64.pngsiteadmin2014-07-02 08:29:282018-12-11 16:43:34The Power of Buying Second Hand
You may be wondering what debt review or Debt Counsellor is. Well, here’s a brief explanation:
Recently a new Act was made into law called the National Credit Act (the NCA). In the NCA (which talks all about credit and credit accounts) there is a section (Section 86) which deals with what to do if a consumer has too many debts, too many obligations and not enough money to pay for everything. This section specifically mentions something called debt counselling. Debt Counselling would be advice about your debt from a qualified debt counsellor. A Debt Counsellor would be registered with the National Credit regulator (who is an industry watch dog – of sorts.)
https://www.zerodebt.co.za/wp-content/uploads/2014/06/debt-review-1.jpg553866siteadminhttps://www.zerodebt.co.za/wp-content/uploads/2018/10/logo-PROPER-300x68_zero-padding-cropped-271x64.pngsiteadmin2014-06-13 13:07:392014-06-13 13:07:39Debt Review – How it works - Part 1
It seems that over 2000 consumers feel they have been harassed by the banks while under debt review. The number is undoubtedly higher however this petition did not receive support from the Debt Counsellors Association of South Africa ( DCASA)…
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A New Budget: The Debt Counsellor will also help the consumer set a new budget for household expenses since this is often totally overlooked by consumers. It is very important that consumers then stick closely to this suggested budget amount…
https://www.zerodebt.co.za/wp-content/uploads/2014/06/11682926_m-1.jpg565848siteadminhttps://www.zerodebt.co.za/wp-content/uploads/2018/10/logo-PROPER-300x68_zero-padding-cropped-271x64.pngsiteadmin2014-06-13 13:05:182014-06-13 13:05:18Debt Review – How it works - Part 2
All personal information supplied to Zero Debt or collected by Zero Debt is kept strictly confidential.
Zero Debt takes all reasonable steps to protect your personal information, including, where appropriate, the use of encryption technology.
Access to your personal information held by Zero Debt may also be requested by third parties. The Promotion of Access to Information Act, 2000 (‘PAIA’) regulates and sets out the procedure for such a request and under which circumstances such access may be refused.