Debtfree Magazine September 2019

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DEBT REVIEW | CREDIT LAW | LITIGATION CONTRACTS | FAMILY LAW | WILLS & ESTATES KIM ARMFIELD AND ASSOCIATES Did you know that Debt Mediation can be done legally? Contact us to find out how. Tel: 021 949 1758 | 084 702 3760 info@legalwc.co.za | www.capeattorney.co.za
ARE YOU TRAPPED IN DEBT REVIEW? WHAT DOES THIS MEAN? The ruling means that for consumers who are in the process and paying each month, if they want to leave the process they have two ways to do so: (1) pay up your smaller debts and leave with only your bond to pay or (2) pay up all your debts and get a clearance certificate from a Debt Counsellor. For those who dropped out of the process, it means they cannot simply pay some random attorney to miraculously remove their debt review status. There are many such scams out there with unscrupulous people preying on vulnerable people. They should steer clear of such scams. They have to make the effort, as and when they can, to pay off all their debts and then eventually get a Debt Counsellor who will help them with a clearance certificate once they have done so. This will be a very long and hard journey. Others who do not pay off their debts will find they will still be considered legally over indebted and that (for now) the credit bureaus will not remove the debt review flag. Credit providers will probably continue to deny them credit even if they could realistically afford it. They are essentially trapped.
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Page 3 and 4: A TRUSTED PARTNER FOR NEARLY A DECA
Page 5 and 6: discuss some of their proposals in
Page 7: DEBT REVIEW SCHOOL If you pay your
Page 10 and 11: ARE YOU TRAPPED IN DEBT REVIEW
Page 12: ARE YOU TRAPPED IN DEBT REVIEW? Deb
Page 15 and 16: ARE YOU TRAPPED IN DEBT REVIEW? SHO
Page 19 and 20: ARE YOU TRAPPED IN DEBT REVIEW? CAN
Page 21: The court case was heard, in Gauten
Page 26 and 27: emorse and fail to follow through w
Page 28 and 29: Take Back Control Of Your Finances
Page 31 and 32: ADVERTISING TIPS Are you spending a
Page 33: If we see an advert for a service o
Page 36 and 37: KIM ARMFIELD AND ASSOCIATES When de
Page 38 and 39: GOVERNMENT IMPACT REPORT REVEALS MA
Page 40 and 41: ISSUES WITH NEW NCA AMENDMENTS WHAT
Page 43 and 44: ISSUES WITH NEW NCA AMENDMENTS WHY
Page 45 and 46: sent to Parliament. It simply highl
Page 47: MAXIMISING INSURANCE RELATED INCOME
Page 50 and 51: DTI PLANNING NEW NCA REGULATIONS SO
Page 52 and 53: Die Republiek van SKYT AFRICA Hi Al
Page 54 and 55: feit dat hulle onder skuldberading
Page 56 and 57: Debt Counsellors Collective Check o
Page 58 and 59: Large Debt Counselling firm seeks t
Page 60 and 61: STUCK USING ANCIENT TECHNOLOGY? Con
Page 62 and 63: CLICK THE C SERVICE D DEBT COUNSELL
Page 64 and 65: DEBT COUNSELLORS GAUTENG KWAZULU- N
Page 66 and 67: PENNY WISE Cathy Foster Debt Counse
Page 68 and 69: South Africa’s largest and most t
Page 70 and 71: South Africa’s largest and most t
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National Debt Advisors Fighting For
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GMC Debt Solutions 52 Kerk Street L
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ISISEKO DEBT HELP Get Your Life bac
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South Africa’s largest and most t
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SUPPORT SERVICES 011 451 0041 0860
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LEGAL www.embattornerys.co.za Liddl
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PAYMENT DISTRIBUTION AGENCIES COLLE
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CAPITEC CONTACT DETAILS Form 17’s
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Contact Function C A L L C E N T E
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First National Bank - a division of
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17.1, 17.2, Proposals, General corr
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Debtfree Magazine September 2019

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