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Our Debt Review Process:

During our Debt Review process, Less Debt evaluates a client’s unresolved debt and puts a restructured debt repayment plan in place, ideally suited to our client’s needs. As a result, our client’s monthly payments are reworked and consolidated into one affordable monthly payment, ensuring that our clients will still be able to cover their families’ living expenses.

We also negotiate on our client’s behalf with their creditors to agree on a new payment plan. This agreement is regulated by the National Credit Act (NCA) and is authorised by a court order. Consequently, our clients will also not receive any further distressing phone calls or final demand letters from creditors.

Guiding Steps

Step 1

Apply for Debt Review

Complete the application and relevant documents. Once it is completed, we let your creditors know that you have officially applied for Debt Review. This means that from this moment on they can’t take any legal action against you.

Step 2

Debt Assessment

Our professional team creates a new monthly budget for you. Your new budget will make sure that you have enough money to pay your debt and cover your living expenses.

Step 3

Repayment Plan & Proposal

We negotiate with your creditors on your behalf for a reduced monthly instalment that you can afford.

Step 4

Making it Legal

We take your new payment plan to court on your behalf, obtain a court order and hereby prevent creditors from taking further legal action against you. This will ensure that your home, car and other assets are protected during the debt review period.

Step 5

Repaying your Debt

Your monthly installments will be collected through a PDA (Payment Distribution Agency) registered with the NCR (National Credit Regulator).

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