Constantiaberg Debt Counselling

17/03/2021

‼️The financial industry has probably one of the worst reputations when it comes to misinformation and scams as it is highly targeted by these scam artists.

It is so important to make doubly sure that the Debt Counsellor you are investigating is legit, down below we discuss some ways for you to identify if you’re walking into a scam or not.

https://constantiabergdebtcounselling.co.za/2021/01/18/debt-counselling-beware-of-scams/

16/03/2021

We haven’t entered the new year like we normally would. COVID-19 has rocked the boat globally and put strain on the economy.

As a small business owner or an employed individual we have all adapted to this new way of living.

https://constantiabergdebtcounselling.co.za/2021/01/26/4-steps-to-financial-wellness/

03/03/2021

😔No-one plans to get into debt that they cannot repay. And the current economic climate is not making it any easier!

☎If you are struggling to pay your accounts and need advise, please contact us.

Gavin Stuart Young is a registered Debt Counsellor in terms of Section 44 of the National Credit Act 34 of 2005.

He brings many years and much experience to serve the Constantiaberg community and small business owners in our neighbourhood and beyond.

Your particular financial situation will be dealt with by him personally and confidentially to tailor-make the solution for your current position.

He is professional, ethical and independent.

02/03/2021

🏔 Debts mounting up?

Here are 5 ways to get out of debt before it gets you:
📌 Make a budget – and stick to it. Essentials 50%, 30% debt or savings, 20% wants
📌 Stop impulse spending – yes it’s hard, but it won’t kill you
📌 If you can, double up on your small account payments
📌 Setting future goals helps you stay focused and not overspend
📌 When you have paid off a debt, put that payment toward the next debt not into your disposable income

💰 Still struggling?
Contact Gavin at https://constantiabergdebtcounselling.co.za for an obligation free debt assessment

24/02/2021

Wondering why you would need a Debt Counsellor?

While it can be intimidating to begin your Debt Review journey due to doubtful thoughts such as, ‘What will people think of me?’ or ‘Is this the right step for me?’ or ‘Will it even work?’.

We hear your concerns and completely understand. It can be scary, but we have found that there are 3 major benefits that Debt Counselling has to offer you.

Why would I need a Debt Counsellor? Leave a Comment / Tips / By admin While it can be intimidating to begin your Debt Review journey due to doubtful thoughts such as, ‘What will people think of me?’ or ‘Is this the right step for me?’ or ‘Will it even work?’. We hear your concerns and co...

23/02/2021

https://constantiabergdebtcounselling.co.za/

We all have hopes and dreams for our children’s futures.

📚 We want to send them to the best schools
👩‍🎓 We want to be able to send them to the varsity of their choice
💰 We want to leave them an inheritance.

If you are struggling to get on top of your debt and feel it is getting in the way of your children’s futures then contact us today for a free debt assessment and a plan to get back on track to achieve your dreams.

Go visit www.constantiabergdebtcounselling.co.za for more information.

22/02/2021

📌Times are tough, we know and understand that many families have been hugely affected by job losses, reduced hours and pay or small businesses being forced to close.
💰Debts can build up and with it worry and anxiety about how to service your accounts.
☎️If you find yourself not able to pay your creditors, contact us for advice and a free debt assessment. Let our 36+ years in finance serve you to bring back peace and financial well being.

Call Gavin @ 087 702 1042.
https://constantiabergdebtcounselling.co.za

18/02/2021

⛔️ Debt blocking the way of your future?
✍️ Applying for Debt Review allows us to help you move forward with your plans, hopes and dreams.

In need of a free assessment to see what your true debt position is?

Take the first step in freedom from debt, contact us today!

www.constantiabergdebtcounselling.co.za

16/02/2021

🤷 While there is often a stigma attached to placing yourself into debt review, it could be the thing that saves your finances, brings you freedom and allows you to reach your financial goals and dreams.

🤭 Don’t feel ashamed for making the right decision if you are unable to meet your debt commitments.

Contact us today for a free debt assessment.
www.constantiabergdebtcounselling.co.za

15/02/2021

🧐 Personal debt is a tricky thing to deal with and learn how to manage properly. If you find yourself budgeting each month for your needs but still coming up short when it comes down to it then it would be wise to to evaluate expenses and find the small (but effective!) ways you can lower your monthly spending budget.

Read more - https://constantiabergdebtcounselling.co.za/2021/02/15/ways-to-lower-your-monthly-expenses/

11/02/2021

👥 Debt Review Q&A Part One!

🚓 Would I get sent to jail for not paying my debt?

No. You cannot be sent to jail for failing to pay your debt. But this does not mean avoiding your debt will come without consequences. Assets could be liquidated, you could be sequestrated, or you could receive a garnishee order, where your employer will withhold a portion of your income and pay your creditors directly.

⚰️ What if a family member passes away, am I responsible for their debt?

It depends. When a loved one passes, both their assets and liabilities are placed in a single estate. From here their financial situation will be assessed.

If their liabilities are larger than their assets, then the liabilities will be cancelled. Their debt will be made null. It will not be turned into a burden you have to carry.

However, if you have signed a joint contract with a loved one or you’re married in COP, you will be held responsible for the debt.
But this will only apply to debt gathered during the marriage or in regard to the specific contract signed.

🚗 Will I lose my car or other assets because of debt?

Unfortunately yes. Your creditors are allowed to repossess your assets, like your home and car if you fail to keep paying your debt.

The scariest thing is a Section 129 Notice or a Letter of Demand. This is a notice you receive in the mail (sometimes email) that legal action is being taken against you by your creditors. You will have a period of 10 days to get hold of your Debt Counsellor after receiving the notice. You may have your possessions taken away from you to help settle your outstanding debt.

HOWEVER...

You have the power to avoid it all!

If you sign up for debt review, your Debt Counsellor will negotiate a brand new repayment plan with your creditors, and they will no longer be able to repossess your assets.

Get in contact with Gavin Young today to apply for your obligation free assessment.

☎️ 087 702 1042
www.constantiabergdebtcounselling.co.za

10/02/2021

💰 Is your small business taking strain from the economic downturn? Has CoVid negatively affected your partnership?

WE CAN HELP!

⛈ Constantiaberg Debt Counselling can help you weather the CoVid storm with our many years of experience with small business owners and their specific needs.

😀 If you find yourself stressed because of finances, please give us a call, we can help you in a personal, confidential and professional way.

☎️ Contact us for a no commitment, free debt assessment and let us help you to turn the situation around in your favour.

https://constantiabergdebtcounselling.co.za