Credit Matters

Credit Matters is one of the country’s leading providers of debt review services and has been operating since 2007.

They offer their professional assistance across all provinces and cities. Not only do they have offices spread across the country but they can assist you remotely from wherever you’re located.

Why choose Credit Matters

• More than 15 years of experience
• Registered debt counsellors
• Proven track record with more than 11,000 people having been assisted
• High level of empathy which ensures you’re dealt with in a dignified manner at all times
• Excellent customer reviews
• Professional service with no delays
• Benefit from expert guidance throughout the debt review process
• Ongoing support and customer service

What are the benefits of debt review?

One of the obvious benefits of debt review is that you will pay less overall toward debt. This will help you free up some cash to better accommodate your living expenses.

Once your repayment plan is made an order of court, your creditors may no longer harass you or take further legal action to recover their money. This means that you will finally get some peace.

Debt review is a means to handle overwhelming debt in a slow, stable, and manageable way that ensures you can get out of debt permanently while protecting your assets and peace of mind.

An experienced, responsive debt review company

One thing that separates Credit Matters from other debt counselling agencies is that they’re easy to contact and responsive.

They also leverage their experience to ensure they negotiate well with creditors and structure your new payment plan in a way that makes good sense.

If you’re struggling to keep up with your debt repayments and want to make a change for the better, debt review is worth considering.

Credit Matters can help you decide if this is a good option for your circumstances and help you get the process started.

Credit Matters specialise in debt review services. They offer a professional, tried-and-tested solution to your debt woes.

What is debt review?

Debt review is a legal process by which your debts are restructured to allow for a reduced combined monthly repayment that is more affordable.

This process was introduced by the NCA to help South Africans who are grappling with enormous debts.

Who benefits from debt review?

While most consumers think that debt review is a get-out-of-jail-free card, this is not the case. Not only will you likely be in debt for a longer period of time than you expect but you have to pay for the services of the debt counsellor, Payment Distribution Agency, and attorney.

You will not be able to take out any loans or credit while you’re under debt review and all credit bureaus will be notified of your status. It may take years to pay off the debt so careful planning and dedication to becoming debt free is required.

What are the benefits of debt review?

• You get to put a stop to the endless debt cycle you struggling with
• Lower overall payment towards debt will free up money for expenses
• Your debt counsellor will help you create a solid budget
• No more harassing calls and emails from creditors
• Protect your home, car and other valuables from repossession
• Only paying one monthly instalment to a PDA will make your debt easier to manage
• You’ll remain clear of new debts while under debt review

How long does the debt review process take?

It can take anything up to eight years for the debt review process to come to an end and for you to be issued a clearance certificate. That said the process is normally over within five years.

While many people place a great deal of emphasis on this certificate, your status at the credit bureaus will be more than sufficient to convince credit providers that you’re out of debt.