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Choosing the Right Debt Counsellor

Selecting the right debt counsellor is an important decision.

 

Not all debt counsellors are the same, and it is essential to work with a trustworthy, registered, and experienced professional who understands your financial situation and can provide the best solution for you. A debt counsellor should not only help you establish an affordable repayment plan but also protect you from creditors' legal action and unfair collection practices.

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Index

  1. What exactly does a debt counsellor do?

  2. How to verify if a debt counsellor is registered

  3. Characteristics of a reliable debt counsellor

  4. Important questions to ask

  5. Beware of...

  6. What to do if you are unhappy with your debt counsellor

  7. The next step

This page is designed to help you identify a registered debt counsellor, avoid potential risks, and ask the right questions before making a final decision.

1. What does a debt counsellor do?

‘n A debt counsellor assists individuals struggling with excessive debt by:

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  • Assessing your financial situation

  • Negotiating an affordable repayment plan with your creditors.

  • Protecting you from legal action by creditors

  • Helping you repay your debt in a sustainable manner​

2. How to verify if a debt counsellor is registered 

A reliable debt counsellor must be registered with the National Credit Regulator (NCR)To verify:

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  1. Visit the NCR-website  and search for their name. 

  2. Ask for their NCR registration number.

  3. Be cautious of any debt counsellor who does not disclose their registration number.

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Frans Cloete

Chief Executive Officer of Skuldhulp

Frans is a Chartered Accountant and a dedicated advocate for the Afrikaans community, supporting those who have been impacted by the challenging economic conditions in South Africa.

Skuldhulp clients can also contact him directly for any escalations at the following email address:

frans.cloete@skuldhulp.co.za

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3. Characteristics of a Reliable Debt Counsellor 

Choose a debt counsellor who is:

 

  • Experienced – Has years of experience and a proven track record of success.

  • Transparent – No hidden fees or misleading promises.

  •  Knowledgeable – Clearly explains the process and offers a personalised service.

  •  NCR registered – Accredited by the regulator.

  • Well-reviewed – Recommended by past clients.

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4. Important Questions to Ask 

Before choosing a debt counsellor, ask the following:

 

  • Are you registered?

  • What is your registration number?

  • What fees are involved in the process?

  • How long will it take to pay off my debt 

  • How do the monthly payments and distributions to my creditors work?

  • What happens if I want to make additional payments?

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6. What to do if you are unhappy with your debt counsellor

If you feel that your debt counsellor is not meeting their obligations:

 

  • Contact the debt counsellor directly – Try to resolve the issue by discussing it with them.

  • Review your agreement – Ensure they are delivering what was promised.

  • Report to the National Credit Regulator (NCR) – If you believe you are being treated unfairly, submit a complaint at www.ncr.org.za.

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7. The Next Step

To contact a trustworthy debt counsellor:


Visit Skuldhulp for professional assistance.
Call our team for a free and confidential assessment.
Apply online to start managing your debt today.

 

Take control of your finances by choosing a debt counsellor who puts your interests first!

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Learn more about the benefits of debt counselling 

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