Debtfree Magazine November 2018

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Jothie Bechoo ATTORNEYS & DEBT COUNSELLOR Taking care of all your legal needs Specialising in Debt Review Applications for Debt Counsellors/Attorneys Our offices personally attends to debt review applications in the following courts: Durban Pinetown Chatsworth Verulam Ntuzuma We aim to have debt review orders granted at the first court appearance We avoid unnecessary adjournments Our fees are reasonable We have six years’ experience in Debt Review applications We assist clients in Rescission of Debt Review orders & administration orders Suite 7 Gladstone Court 103 Smiso Nkwanyana [Goble] Road Morningside Durban Tel: 031 303 1004 Mobile: 076 835 2810 Email: jbechoo@jb-attorneys.co.za Also specializes in: Deceased Estates, Wills, Divorces, Ante Nuptial Contracts, Correspondent Attorney, Rescissions
DREADED DECEMBER YOU DESERVE A BREAK FROM DEBT After a long hard year you may be focused on simply not being at work and the humdrum routine which wears you down. You do deserve a break. You do deserve some fun. Absolutely! With a little forethought and restraint you can ensure that you do this without running up big bills and running into trouble making your debt review payment this December. It’s rare these days to get a 13th cheque or bonus but it does sometimes happen. If you are fortunate enough to get one, what should you do with it? • Hit the shops, buy that flat screen tv? • Treat yourself? • Speak to your DC for advice? • Use to cover needed jan/annual costs and settle smaller debts? • Or distribute it to all debts evenly? Remember that you are trying to give yourself and your family the best financial gift of all - getting out of debt. If you do get a bonus why not talk to your Debt Counsellor about how best to use it?
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Page 4 and 5: How many times have you told yourse
Page 7 and 8: HOW COMMITTED ARE YOU TO DEBT REVIE
Page 9 and 10: DEBT REVIEW SCHOOL Know your abbrev
Page 11 and 12: D DECEMBER
Page 13: For many people December is simply
Page 16 and 17: DREADED DECEMBER DON’T LET DECEMB
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Page 23 and 24: These are not short term, impulsive
Page 25 and 26: In many ways the challenge of stick
Page 27 and 28: HOW COMMITTED ARE YOU? UNDERSTAND Y
Page 29 and 30: SURE Credit ProteCtion - debt revie
Page 32 and 33: HOW COMMITTED ARE YOU? WAYS TO MEAS
Page 35 and 36: HOW COMMITTED ARE YOU? WARNING SIGN
Page 37 and 38: THE END OF THE YEAR IS COMING SOME
Page 39 and 40: 10% commitment to paying off Debt J
Page 42 and 43: KIM ARMFIELD AND ASSOCIATES When de
Page 44: NEWS NCR CONSUMER EDUCATION NCR HIR
Page 47 and 48: DTI RESEARCH FORUM DCASA LAUNCH INV
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Page 51 and 52: PROFESSIONAL DEBT COUNSELLING ATTOR
Page 53 and 54: Die Republiek van SKYT AFRICA Hi Al
Page 55 and 56: DON’T WORK WITH AN OUT DATED VERS
Page 57: PAST VERSIONS The laws of South Afr
Page 60 and 61: Debt Counsellors Collective The NCR
Page 62 and 63: WIN FREE ONLINE TRAINING WORTH R105
Page 64 and 65: CONSUMER FINANCIAL EDUCATION FOUNDA
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Debtfree Magazine November 2018

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