It doesn’t matter if you owe R50 000.00 or R5 Million,
DCGsa can assist you! TAKE CONTROL OF YOUR FINANCIAL FUTURE TODAY!
Be happy, be debt free.
Benefits of Debt Counselling
- Tailored payment structure to suit your individual needs
- No more garnishees
- Pay off your debts in a reasonable time
- One affordable monthly instalment
- Reduced debt instalments
- Reduced interest rates by consent of creditor
- Have sufficient funds for living expenses
- Credit Providers must communicate with your Debt Counselor, not you
- You will be Legally protected against your creditors
- Legally clear your “blacklisting” by getting a clearance certificate
How we help you
This is an example of a real consumer we have assisted:
These consumers joined Nett income of R35 850.00 was not covering their household needs and obligated debt repayment totalling R27 440.75 per month. After doing a budget, they were shocked, needing R20 000.00 a month for household expenses. This included rates and taxes, water and electricity, Medical aid, vehicle insurance, children’s school fees, petrol, groceries, cell phone and internet contracts, life insurance policies etc. This left them with R15 850.00 towards debt, that was obviously not enough. This brings to reality what is commonly done, consumers keep making debt to cover their existing debt, creating a snowball effect.
Working with the consumers we adjusted their household budget, sometimes cutbacks must take place where possible. Their new household budget would be R18 300.00. We worked out one affordable monthly debt repayment of R17 500.00 from their next pay day, leaving them relived and educated on the way forwards.
Reducing their interest rates and locking in the home loan and the vehicle interest rates for the term under debt review, will save them over R65 000.00 worth of interest. It is possible to shorten your term by paying more when you can afford to.
A real example of a consumer under debt review with DCGSA
A quick fix means the bigger picture is often missed. I thought you may be interested in an example debt review clients we have recently assisted. These consumers’ combined net income of R35,850 was not enough to cover all the household expenses and debt repayment of R27,440.75 a month.
Hoe Herstel ’n Mens Van Die Finansiële Stres Van 2020
Teen hierdie die tyd het die negatiewe gevolge op persoonlike finansies as gevolg van die pandemie hopelik vir talle huishoudings verbeter. Vir dié wat kon en wat voorsiening gemaak het vir voldoende kontantreserwes, was die negatiewe uitwerking hanteerbaar. Die werklikheid is egter dat miljoene Suid-Afrikaners nie so gelukkig was nie.
Het Jy Hulp Nodig Met Jou Skuld?
In die geval van ernstige skuldprobleme het die verbruiker verskeie opsies beskikbaar. Die uitdaging is om die beste een te kies. Hier volg ’n uiteensetting van vier opsies. Indien jy nie paaiemente kan bekostig nie en geen of min tasbare bates het, kan jy vir skuldadministrasie aansoek doen – mits die totale skuld nie R50 000 oorskry nie.
Take the first step Today
Do not be ashamed to take the first step and ask for help with your debt. With the current economy and regular increase of costs of basic needs, people are more and more in debt and in need of help. Most people are too proud to ask for assistance before it is too late. If you feel you are in need of help or creditors are phoning you frequently asking when you are making your next payment you need to be realistic and take that first step to getting help.
Call us for the best Debt Solutions 086 100 1047 or e-mail help@dcgsa.co.za
Why Choose DCGsa
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It is embarrassing to explain to someone that you have problems with your debt, I at least thought it would be. But the staff at DCGsa made me feel so comfortable with talking about my problem. There is a stigma attached to debt, but if we talk about it especially to someone who can help you it is such a burden off your shoulders. I am with DCGsa and I will be getting my Clearance Certificate that clears my credit bureau in 2 years. I am very happy and I can now live stress free.
Amanda | August, 2015
What to Expect
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We have been with DCGSA for a few years now and couldn’t be happier. Throughout lockdown they were there for us and always willing to go the extra mile to help. They sort out queries quickly and respond to mails/messages almost immediately. Everyone we have dealt with have been extremely professional and kind. Wouldn’t want to be with any other company. Thank you Casper & Alisha!
Kerryn Abbott | September, 2021
Our Standards of Service
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When my sister died I was the surety on her debts, I needed help getting all the debt I now had sorted out. I found DCGsa through the newspaper and I knew I was at the right place when I went into their East London office for my assessment, because everyone treated me with such dignity and very professionally. I am debt free now and I can breath!
Sheila| June, 2018
NCR Information Brochure – Click on the link below to know your rights as a consumer.
NCR – Information Brochure (ENGLISH)