DO I NEED DEBT COUNSELLING?

If you are over indebted, with too much outstanding debt to make ends meet and not enough money to cover basic expenses, you need debt review. It is a saving grace when you have stretched your finances too thin. The debt counselling process not only helps you get your debt in order, but also teaches you to be responsible with your cash after the process is done.

From budgeting to talking to your creditors, arranging court dates and sorting your documentation, debt review allows you to get a handle on your debt. By renegotiating new terms of repayment and finding the best terms to ensure you can afford to live, allows you to sort your credit record out while still making ends meet from day to day. Often we get carried away with credit, piling it up before we consider repayment. But when you have taken on more than you can handle, your money will quickly disappear.

So, are you asking, “Do I need debt review?” If you need to pay out more than you bring in, you will find yourself in a tricky situation. When your debt is too much for you to pay while still having enough to survive, you need debt counselling and debt review.