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Debt Consolidation Guide



We know debt and understand debt problems can be very stressful. 

No matter how big or small your debt problem is, we can help you. We will give you all the information and support that you need to tackle it and take the first step towards becoming debt-free.

Your First steps are the most important:

The sooner you start to deal with your problem, the better. We recommend, that if you are in need of our help, that you contact us right away.

Most importantly, forget about any more borrowing. it is the borrowing that landed you in this situation in the first place. Change your mindset. "If I borrow, it means more debt"

  • Don't even consider taking another loan
  • Don't increase your overdraft - we will advise you later on how to close the overdraft account
  • Stop using your credit cards - cut them up, but first make a photocopy of each as you will need this later. Make sure that the card numbers are clear and legible on the photocopy
  • Do not consolidate your debts into one loan - all it means is that you will have a new loan that will be about a third bigger than your existing debt after all the new charges, fees and commissions etc are added. if you are struggling to pay what you have now, how will repay an even larger loan?
  • Don't secure any loans against your home - that is a sure way to lose your home.


How we can help

If your debt is your main problem, make sure you get expert debt help as soon as possible. The longer you delay, the worse the situation becomes.

We provide free, objective, fair-minded and confidential debt advice that will help you through your financial difficulties. We have helped many people like you and we will be able to give you the debt help you need.

Our online Debt Management Programme will recommend a solution for you based on your unique situation.

Our online Debt Management Programme will also design a personal action plan just for you, so you can see exactly where your money is going each month, and begin to take control of your spending again.

if you do not like what we recommend then you merely decline our offer without any further obligation or commitment.

Contact us

Our online Debt Management Programme tool is free and confidential, offering you online debt help, advice and support when you need it most.

If you would prefer to talk to us in confidence, call us on 012 991 0166 and we will call you back.

Or complete the form on the right and we will call you.

Let Us Call You Back 

We Are Proudly Backed By:

 We believe that the Constitution and your rights are synonymous with every legal matter, and accordingly strive to protect your interests, no matter how small.

Call us for all your legal assistance in both commercial and civil matters.

For more information visit our website

 Your Debt Consolidation Options

If You Are Over-Indebted The Best Thing To Do Is First Check Out Your Options.

Your Options Can Found At This Site -

Debt Options