Our Services
Debt Counselling
Debt Counselling in terms of Section 86 of the National Credit Act. Debt Counselling is a formal legal process that provides for a consumer to be declared over indebted and for the Debt Counsellor to negotiate a restructured payment plan and obtain a court order confirming the new repayment plan.
Debt Mediation
Debt Mediation – voluntary negotiations. Can’t Keep Up With Your Bills? We Will Assess Your Situation. People trust our consultants because we care about you. If your are serious about consolidating your debt the right way then call us! Creditors stop calling. The term “debt mediation” refers to the process of negotiating with creditors to pay less than the total amount owed to settle the debts. It is a debt reduction or debt elimination strategy for individuals who are in over their heads financially and who do not expect to have the means to pay their debts in full.
Legal Services
Via our Attorneys, Contracts, Legal Issues etc. Solving our clients’ most complex challenges.
Insurance Services
Insurance Services – Review and perusing of new Products and services. We create fresh, engaged and high-energy opportunities in the sector, delivering insurance solutions through a robust and dedicated partners.
About Us
Mission
The mission of The Consumer Care Group is to improve and cultivate good financial positions of our clients and the community by providing Financial education, mediation and Debt management services through the dedicated efforts of Registered Debt Counsellors. Debt Liberty is Dedicated to serve the communities, Employers and Individuals as an advocate for financial wellbeing.
Vision
The vision of The Consumer Care Group is to bring financial education and Debt management and Mediation services to persons that find themselves trapped in the web of Debt and Financial Strain Throughout South Africa. Debt Liberty will strive to deliver a high level of customer service with programs dedicated and designed to encourage, achieve, and maintain financial wellness.
Frequently Asked Questions
What is debt review?
The debt review process was created under the National Credit Act (No 34 of 2005) and is designed to assist you when you struggling to pay your debts by restructuring your monthly financial obligations into one reduced monthly installment.
How quickly does it work?
We provide you and your assets with immediate protection once we have received your application. You are registered with the National Credit Regulator and your credit providers are notified that you are protected under the debt review process.
Will I lose my assets whilst under debt review?
No, while you are under debt review and continue to pay your restructured installment, creditor providers are prohibited from taking further legal action or attaching your assets.
Can I be blacklisted while under debt review?
If you are struggling to pay your financial commitments you are probably already blacklisted from obtaining future credit. The debt review process enables you to repay your finances according to the amount you can afford. Once you have repaid your credit providers in full, we issue you a clearance certificate.
Can debt review actually save me money?
Yes, part of the debt restructuring process is to renegotiate your interest rates and fees where possible. We have excellent relationships with all major credit providers and negotiate with them on your behalf to get the best deal for you.
Can debt review actually save me money?
Yes, part of the debt restructuring process is to renegotiate your interest rates and fees where possible. We have excellent relationships with all major credit providers and negotiate with them on your behalf to get the best deal for you.
How am I going to pay for my living expenses?
What payments will I have to make under debt review?
Why choose us
Benefits of Debt Review
No more unaffordable amounts
We reduce your repayments to an amount you can actually afford.
We negotiate on your behalf
We negotiate with your credit providers directly, so you don’t receive any more harassing phone calls.
We clear your credit report on completion
Once you’ve cleared your debt, we apply to clear your credit report.
We protect you and your assets
We provide immediate protection to you and your assets (including your house and car).
More peace, less stress
We negotiate lower interest rates on your behalf, and we extend your repayment terms.
