DCGsa

Debt Counselling Group South Africa (DCGsa) is a proudly Eastern Cape-brewed company specializing in debt review.

With the cost of living at an all-time high, many people find themselves in difficult debt situations and in need of help.

If you’ve reached a point where you feel you need to seek help, and you're constantly being harassed by debt collectors and simply don’t have enough income to cover all your repayments, DCGsa can help by being with you every step of the way.

Confidential debt review services

DCGsa offers an effective, confidential approach that assists consumers who’re embarrassed and ashamed to talk about their debt problems.

With there being a stigma associated with debt, the entire DCGsa team assures consumers feel supported and comfortable talking about their money problems.

They do more than what’s required when dealing with consumers, and you can expect quick responses to any of your debt review queries.

How DCGsa helps consumers

Even when you’re facing difficult times, you can count on DCGsa to help you fix your financial condition and take control of your finances.

A member of the DCGsa team will assess your current situation and steer you in the right direction, so you can make a decision that’s aligned with your needs. To date, they’ve awarded more than 600 clearance certificates, meaning they’ve aided hundreds of South Africans in becoming debt-free.

Special initiatives supported by DCGsa

As a company that’s always looking to promote human welfare, the DCGsa team are involved in several special activities and campaigns.

• The Reach for a Dream Slipper Day: Is a charity event hosted by Reach for a Dream and is specifically for children battling life-threatening diseases.
• Members of the DCGsa team attend Anti-Fraud and Corruption Awareness Campaign: These are educational sessions that equip attendees with useful insights regarding conducting ethical businesses.
• DCGsa gives away great prizes to consumers: DCGsa holds marketing campaigns in malls to find out more about consumers and their thoughts on debt review, while also giving away amazing prizes.

Have you been getting threats about the repossession of your valuable assets?

Have you been issued with a Letter of Demand or Section 129?

Do you have repayments that are in arrears?

DCGsa noticed that most consumers who answer yes to any of the above questions, usually need help and could benefit from debt counselling.

Secure your assets with DCGsa

The present situation in South Africa is difficult, and many people have been skipping payments as means to survive. Credit providers are legally authorised to take action with a view to repossessing your valuable goods if you’ve skipped payment.

If you’ve missed payments on your car or house, and you’re worried about them being repossessed, this is when you quickly need to apply for the free debt assessment offered by DCGsa.

Once you’ve been served with either a Letter of Demand or a Section 129, you need professional assistance to resolve your money troubles.

You need to do this before credit providers take legal action against you and move to the next step, which is repossessing your assets and serving you with a Summons.

Signs that you’re over-indebted

You’re regarded as being over-indebted when after paying your important expenses such as food, medical bills, rent, school fees etc. you can’t cover your debts.

Remember, you have the right to get help when you’re sinking deep in debt, speak up and seek professional advice. This is not the end of the road for you, there’s a way forward.

Signs that you’re highly indebted

• When you start using your overdraft or credit card to pay your debts and buy goods and other essentials.
• You’re a regular visitor at lending institutions as you need to pay your other debts.
• You’ve gone into a habit of missing payments on other accounts just so you can pay others.
• You’re no longer able to pay your bills every month end.
• You’ve been served with summons and letters from lawyers or creditors.
• You’re contemplating going under administration.
• Judgements have been granted against you.

According to the NCA, while you're under-debt review, creditors are not allowed to torment you. There are cases where there’s a delay in creditors being notified that you’ve been placed under debt review. If they do contact you, you should send any documents from your creditors to the DCGsa team to deal with.