Debt Counselling
Overview
Please make contact with Cindy for a short telephonic consultation.
Let's setup an appointment convenient to yourself wherein we can discuss the Debt Review process with all questions answered while laying to rest any concerns you may have thus relieving you of stress and anxiety.
Cindy
Process
It's a simple process, and don't worry, we take care of everything for you.
1. Make contact to setup an appointment and bring the following
- 3 Months bank statements
- 3 Months paysheets
- Copy of I.D.
- Copy of I.D. / Birth certificate of all dependants
- Proof of residence
- ALL credit provider statements or ITC report
2. Whole process is discussed and a plan formulated
- Together we complete an agreed BUDGET
- You sign relevant forms authorising your debt review application
- You are reflected as under debt review on NCR website (not blacklisted)
- Debt counsellor negotiates with credit providers and completes a proposal for court
- Within 60 days your application is referred to court (attorney goes on your behalf – you do not go to court) and order is granted
- You must pay as per granted order
- Clearance certificate is issued and you are cleared from NCR website as having been under debt review
What our happy clients say
Over 16 years of experience helping countless clients. Reach out today allow us to help you.
I would like to thank ‘Balance Your Debt’ for their help with debt management and rehabilitation. My journey before the very comforting and capable hands of ‘Balance Your Debt’ was very ragged and carried a lot of weight. In fact, they are the only one’s who felt that they could handle my load and situation. And that they did. Even though my situation seemed dire and without any hope, they came in wearing a cape and saved me from the dark-hole of debt. Today marks the first 24-hours in years, being debt free, and I must say it is quite a relief. Words can’t begin to express my gratitude towards Balance Your Debt, towards the Debt Counsellor I had. If I could I would show Her the special place she holds in my heart. From being a complete stranger to being a life saver, without even seeing her. A True Blessing Indeed.
Lubabalo Dan Cishe
We highly recommend Cindy Kennerley because she is a conscientious person who is always up to date with all the current laws, she is always updating her clients and has always had our best interests at heart giving us the best possible advice. She truly cares about her clients and we are so grateful for her wonderful service.
Nigel and Sally
I was in serious financial trouble and drowning in debt during 2015. Then I was refered to Debt Counsellor, Ms. Cindy Kennerley of Balance Your Debt. She then eased our burden by providing excellent and sound financial advice, in our journey of the Debt Review option. This was the best option that suited us and eased our financial woes, through this seamless process. Her attention to detail was impeccable.
The professionalism and support provided by Cindy to me and my family was excellent. Now that we are currently debt free, we have now become so disciplined in terms of how we manage our financial affairs. I would highly recommend Cindy Kennerley anytime to anyone that requires her assistance. Her high level of professionalism and support offered is exemplary.
Mr Highly Satisfied Client
From our first meeting with you’ve been very friendly and outgoing in assisting us in every way. Even when encountering problems you always assistant us with kindness.
Wishes to Remain Anonymous
I can thoroughly recommend your services to anyone who may be in difficulties with debt or struggling to meet their financial commitments. 5 years ago I was in real dire straits and could see no way of avoiding defaulting on my commitments and being handed over to collection attorneys.
Your services helped to legally renegotiate and restructure my whole debt situation into affordable repayment terms with my creditors and avoid litigation or any handovers. I was able to live normally whilst keeping commitments and am now debt free. For this I am deeply grateful. Thank you ever so much.
Martin Engelbrecht
Thank you Cindy Kennerley for all the help you gave me… She is the best… My name is clean again, thank you again Cindy Kennerley, thank you so so much.
Lewisa Palmer