Reduce your debt
instalments to an
affordable amount

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  • Keep your assets
  • Reduce your interest rate
  • Get your credit providers off your back

How debt counselling can help you take control of your debt.

Everyone sometimes has too much month left at the end of their salary, but if you are often
missing payments to your credit providers, you may need debt counselling.

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You may be glad to know that you are not alone, but the harsh truth is that,
if you keep missing debt payments, it's only a matter of time before your credit providers
get tired of waiting and get a court order to demand payment from you, which can lead to:

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A low credit rating (BLACKLISTING)

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Garnishee orders forcing employer to pay consumer's debt straight from their salary

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Having assets repossessed

If this is you, it is important to take action before your debt escalates and you take another
loan just to make ends meet. Fortunately there is a way to get debt relief through
debt counseling. Debt counselling is a debt relief solution introduced by the National
Credit Act to help over-indebted consumers pay off their debt at reduced instalments that
they can afford.

6cents has used debt counselling to help consumers:

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Reduce their interest rates from 22% to 9% on average

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Reduce their debt installments from R10 000 to R6 000 on average

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Protect their assets with a court order

Sign up for 6cents and do a quick online assessment
to find out if debt counselling will help you

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Steps to debt relief

  • Sign up
  • Fill in personal details
  • Access your credit report
  • Calculate your debt-income ratio

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