Debt Advice Blogs

Latest Posts
After how many years is debt written off in South Africa?
How to get your debt written off in South Africa Ever wonder how to get your debt written off in South Africa and how many years it would take for debt to be written off? Prescribed debt is old debt that has not been acknowledged, verbally or in...
What can’t debt collectors do?
What can’t debt collectors do? Important to your own financial well-being, ensuring you don’t get taken advantage of, here are some things that debt collectors cannot do. They cannot call you outside of work hours- 8am to 5pm- unless they have been...
Talking to creditors
Talking to creditors The first point of call for many consumers when they run into debt with their creditors, is to speak directly to their creditors. This is however easier said than done. Many already over-indebted consumers often find that they...
Taking over or passing on a lease
Taking over or passing on a lease Taking over or passing on a lease Subleasing is basically when you get someone to take your lease for a predetermined amount of time, not to be confused with assuming a lease which is taking over the lease as a...
Selling your vehicle
Selling your vehicle Handling car payments can be tricky, especially when it gets to a time where you can no longer afford the monthly installments. A great option to get yourself out of the mud, selling your car before you miss any payments, and...
Lumping your debts together
Lumping your debts together Debt consolidation can be a good option for those who can handle their repayments responsibly, if not, it could lead you into even more debt. The process is basically taking a loan out to cover all your debt. This allows...
Ending your lease
Ending your lease When ending a lease, always ensure you do it in line with the process outlined in the contract. Often it will list solutions to the predicament. If you have a month to month lease, unlike most, then ending a lease is as simple as...
Don’t get evicted or lose your utilities
Don’t get evicted or lose your utilities One of the worst things to be faced with, especially when you have dependents and family relying on your support, being evicted is a bleak reality you don’t want to encounter. An extremely tough time...
Handling debt collectors
Handling debt collectors Handling debt collectors is a lot easier to do when you know what your rights are as a consumer. The actions of some debt collectors may make is seem that they are a law unto themselves. They are not. The Debt Collectors...
Avoiding repossession from debt
Avoiding repossession from debt Avoiding repossession from debt is one of the most important – if not the most important reason people should opt for debt review when they are experiencing financial difficulties. Repossession Having your assets...
Your spending versus income
Your spending versus income An important part of financial stability, no matter who you are, comparing your total spending versus income for your household allows you to take control of your financial situation. In order to show you how you can...
The Family Unit
The Family Unit The family unit is often taken for granted when dealing with financial strain. Often we feel so embarrassed or frightened about disappointing those closest to us that we push them away from the problem. It’s time to change that....