Garden Route Debt Counsellors
Professional debt counsellors
Debt review is a cost effective way of protection against harassment and summonses and protects a consumersโ assets such as their house and car from repossession. Credit providers are often quick to take legal action and are not willing understand or to listen to your situation, however will negotiate with a registered Debt Counsellor. Debt review is a formal process and a court order is obtained

๐๐ก๐๐ญ ๐๐ซ๐ ๐ญ๐ก๐ ๐๐๐ง๐๐๐ข๐ญ๐ฌ ๐จ๐ ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐ข๐ง๐ ?
๐๐๐ ๐ ๐๐ ๐ต๐๐ฆ ๐ท๐๐๐ก ๐ถ๐๐ข๐๐ ๐๐๐๐๐
When it comes to managing overwhelming debt, many people feel stuck, anxious and uncertain about their financial future. Debt counselling is often seen as a last resort, but it can be an essential step toward regaining control of your finances. However, it's important to understand that debt counselling is not a quick financial fix.
Debt counselling is rather a process, which will, when approached with patience and commitment, lead to long-term financial freedom. The benefits of debt counselling include:
1๏ธโฃA financial plan that works for your unique situation
2๏ธโฃLower interest rates
3๏ธโฃAs your debt counsellor acts as a mediator between you and your creditors, it will relieve the stress of dealing with your creditors
4๏ธโฃHelps you build better financial habits
Let your local debt counsellor, Lee from Garden Route Debt Counsellors assist you with your debt review process. Her years of experience and professionalism makes her the perfect choice for many!
๐๐จ๐ง๐ญ๐๐๐ญ ๐๐๐ซ๐๐๐ง ๐๐จ๐ฎ๐ญ๐ ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐จ๐ซ๐ฌ
๐ฑTel No: 044 690 3782
๐ฑCell No: 076 451 4329
๐Visit our office at: Shop 6, Steyn Bros Building, Mitchell St, Mossel Bay

๐ข๐๐ฒ๐ฟ๐๐ฝ๐ฒ๐ป๐ฑ๐ถ๐ป๐ด ๐ช๐ฎ๐ฟ๐ป๐ถ๐ป๐ด ๐ฏ๐ ๐ ๐ผ๐๐๐ฒ๐น ๐๐ฎ๐ ๐๐ฒ๐ฏ๐ ๐๐ผ๐๐ป๐๐ฒ๐น๐น๐ผ๐ฟ
The excitement of celebrating with loved ones, giving gifts, and indulging in festive meals often merges with a temptation to overspend as the holiday season draws near. Unfortunately, it's easy to get caught up in the excitement, and come January, you can find yourself in a financial predicament.
Lee your local debt counsellors from Garden Route Debt Counsellors, ๐๐ฟ๐ด๐ฒ ๐ฐ๐ผ๐ป๐๐๐บ๐ฒ๐ฟ๐ ๐๐ผ ๐๐๐ฎ๐ ๐ฐ๐น๐ฒ๐ฎ๐ฟ ๐ณ๐ฟ๐ผ๐บ ๐ผ๐๐ฒ๐ฟ๐๐ฝ๐ฒ๐ป๐ฑ๐ถ๐ป๐ด. Being a debt counsellor, she sees the dangers of overspending daily. Avoid the dangers of excessive spending during the festive season and be financially responsible and prevent the burden of debt by following this helpful advice.
1๏ธโฃCreate a Realistic Budget and keep to it
2๏ธโฃPlan Gifts Thoughtfully
3๏ธโฃAvoid the Temptation of Credit Cards
4๏ธโฃCut Back on Non-Essential Spending
5๏ธโฃTrack Your Spending
Instead of stress about increased credit card bills, the holidays ought to be a time of happiness and relaxation. You can enjoy the season without worrying about money if you prepare ahead, keep to your spending plan, and pay attention to your spending patterns.
๐๐จ๐ง๐ญ๐๐๐ญ ๐๐๐ซ๐๐๐ง ๐๐จ๐ฎ๐ญ๐ ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐จ๐ซ๐ฌ
โ๏ธTel No: 044 690 3782
๐ฑCell No: 076 451 4329
๐Visit our office at: Shop 6, Steyn Bros Building, Mitchell St, Mossel Bay

๐๐ฒ๐ ๐๐ฎ๐ฟ๐ฑ๐ฒ๐ป ๐ฅ๐ผ๐๐๐ฒ ๐๐ฒ๐ฏ๐ ๐๐ผ๐๐ป๐๐ฒ๐น๐น๐ผ๐ฟ๐ ๐ฎ๐๐๐ถ๐๐ ๐๐ผ๐
โผ๏ธโผ๏ธ Donโt fall for debt counsellors who engage in misleading conduct. Consumers are once again being made aware of the importance of dealing with a reputable debt counselling company with registered debt counsellors that you can see face-to-face.
Debt counsellors who mislead consumers telephonically into signing documents that place them under debt counselling without their consent, have become an issue in the industry that has many victims.
๐ ๐ฎ๐ธ๐ฒ ๐๐๐ฟ๐ฒ ๐๐ต๐ฎ๐ ๐๐ผ๐ ๐ฐ๐ผ๐ป๐๐ฎ๐ฐ๐ ๐๐ฒ๐ฒ ๐๐ผ๐บ๐ฏ๐ฎ๐ฟ๐ฑ, ๐ฎ ๐ฟ๐ฒ๐ด๐ถ๐๐๐ฒ๐ฟ๐ฒ๐ฑ ๐ฑ๐ฒ๐ฏ๐ ๐ฐ๐ผ๐๐ป๐๐ฒ๐น๐น๐ผ๐ฟ ๐ณ๐ฟ๐ผ๐บ ๐๐ฎ๐ฟ๐ฑ๐ฒ๐ป ๐ฅ๐ผ๐๐๐ฒ ๐๐ฒ๐ฏ๐ ๐๐ผ๐๐ป๐๐ฒ๐น๐น๐ถ๐ป๐ด ๐ถ๐ป ๐ ๐ผ๐๐๐ฒ๐น ๐๐ฎ๐. Not only will speaking to a debt counsellor face-to-face enable you to understand the process better, but it will also give you the opportunity to sign the relevant documentation in person.
Debt counselling is not a quick fix to get out of debt, it is a process that allows over indebted consumers to get out of debt by paying lowered interest rates over a fixed period. During this period, better known as debt counselling, you will not be able to make any additional debt.
Contact Lee to discuss the debt counselling process and to see if you qualify to apply.
๐๐จ๐ง๐ญ๐๐๐ญ ๐๐๐ซ๐๐๐ง ๐๐จ๐ฎ๐ญ๐ ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐จ๐ซ๐ฌ
๐Tel No: 044 690 3782
๐ฑCell No: 076 451 4329
๐Visit our office at: Shop 6, Steyn Bros Building, Mitchell St, Mossel Bay

As a South African consumer, you have rights when it comes to your dealings with credit providers. Our job is to fight for those rights for you in instances where credit providers have have abused their powers , and we promise to keep doing that. Learn more here: https://nfosa.co.za/.

https://www.dcasa.co.za/what-fees-can-a-debt-counsellor-ask-during-the-debt-review-process/
What fees can a Debt Counsellor ask during the Debt Review process? Check out a YouTube video Here: https://youtu.be/7dFzrKxsyo8 ย Phase 1: Application Fee R50.00 paid upfront when you sign the Form 16 for Debt Counselling. Phase 2: Administration [โฆ]

๐๐ก๐๐ญ ๐๐๐๐ญ ๐ข๐ฌ ๐๐ฑ๐๐ฅ๐ฎ๐๐๐ ๐๐ซ๐จ๐ฆ ๐๐๐๐ญ ๐ซ๐๐ฏ๐ข๐๐ฐ?
๐๐ฆ๐ฃ๐ต ๐๐ฐ๐ถ๐ฏ๐ด๐ฆ๐ญ๐ญ๐ฐ๐ณ ๐ช๐ฏ ๐ต๐ฉ๐ฆ ๐๐ข๐ณ๐ฅ๐ฆ๐ฏ ๐๐ฐ๐ถ๐ต๐ฆ
When applying for debt counselling, keep in mind that all debt for which a credit agreement was signed will fall under debt review. However, it is important to note that in South Africa this excludes:
๐Outstanding medical payments
๐Child Support
๐Maintenance Support
๐Municipal Debt
Lee, your professional and ๐ฆ๐ช๐๐ก๐๐๐๐๐ ๐๐๐๐ฉ ๐๐ค๐ช๐ฃ๐จ๐๐ก๐ก๐ค๐ง ๐๐ง๐ค๐ข ๐๐๐ง๐๐๐ฃ ๐๐ค๐ช๐ฉ๐ ๐ฟ๐๐๐ฉ ๐พ๐ค๐ช๐ฃ๐จ๐๐ก๐ก๐ค๐ง๐จ will evaluate your financial situation to see whether you qualify to apply for debt counselling.
Contact Garden Route Debt Counsellors for more information on debt counselling and to apply for the debt review process.
๐๐จ๐ง๐ญ๐๐๐ญ ๐๐๐ซ๐๐๐ง ๐๐จ๐ฎ๐ญ๐ ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐จ๐ซ๐ฌ
๐Tel No: 044 690 3782
๐ฑCell No: 076 451 4329
๐Visit our office at: Shop 6, Steyn Bros Building, Mitchell St, Mossel Bay

๐ ๐๐ข๐ ๐ง๐ฌ ๐๐ก๐๐ญ ๐๐จ๐ฎ ๐๐ซ๐ ๐๐ฏ๐๐ซ-๐ข๐ง๐๐๐๐ญ๐๐
๐ท๐๐๐ก ๐ถ๐๐ข๐๐ ๐๐๐๐๐ ๐๐ ๐กโ๐ ๐บ๐๐๐๐๐ ๐
๐๐ข๐ก๐
Being over-indebted is not rare in South Africa. A large number of consumers struggle with it on a daily basis. Garden Route Debt Counsellors is here to assist you with debt counselling to help you repay your debt with a newly structured repayment plan with lower interest rates.
๐๐๐ซ๐ ๐๐ซ๐ ๐ ๐ฌ๐ข๐ ๐ง๐ฌ ๐ญ๐ก๐๐ญ ๐ฒ๐จ๐ฎ ๐ฆ๐ข๐ ๐ก๐ญ ๐๐ ๐จ๐ฏ๐๐ซ-๐ข๐ง๐๐๐๐ญ๐๐:
1๏ธโฃYou cannot pay all your creditors
2๏ธโฃYou struggle to manage your monthly expenses
3๏ธโฃYou donโt have money left for basic living expenses after repaying your debt
4๏ธโฃYou take out loans to repay your debt
5๏ธโฃYou are lying awake at night worrying about money
Contact Garden Route Debt Counsellors for more information on debt counselling and to apply for the debt review process.
๐๐ผ๐ป๐๐ฎ๐ฐ๐ ๐๐ฎ๐ฟ๐ฑ๐ฒ๐ป ๐ฅ๐ผ๐๐๐ฒ ๐๐ฒ๐ฏ๐ ๐๐ผ๐๐ป๐๐ฒ๐น๐น๐ผ๐ฟ๐
โ๏ธTel No: 044 690 3782
๐ฑCell No: 076 451 4329
๐Visit our office at: Shop 6, Steyn Bros Building, Mitchell St, Mossel Bay

๐ ๐๐๐ต๐ ๐ฎ๐ฏ๐ผ๐๐ ๐๐ฒ๐ฏ๐ ๐ฅ๐ฒ๐๐ถ๐ฒ๐
๐ท๐๐๐ก ๐ถ๐๐ข๐๐ ๐๐๐๐๐ ๐๐ ๐กโ๐ ๐บ๐๐๐๐๐ ๐
๐๐ข๐ก๐
If you are considering debt review but first need to get all the facts straight and myths out of the way to allow you to make an informed decision, let Garden Route Debt Counsellors help you.
๐๐ฆ๐ณ๐ฆ ๐ข๐ณ๐ฆ ๐ด๐ฐ๐ฎ๐ฆ ๐ฎ๐บ๐ต๐ฉ๐ด ๐ณ๐ฆ๐จ๐ข๐ณ๐ฅ๐ช๐ฏ๐จ ๐ฅ๐ฆ๐ฃ๐ต ๐ค๐ฐ๐ถ๐ฏ๐ด๐ฆ๐ญ๐ญ๐ช๐ฏ๐จ ๐ต๐ฐ ๐จ๐ฆ๐ต ๐ฐ๐ถ๐ต ๐ฐ๐ง ๐ต๐ฉ๐ฆ ๐ธ๐ข๐บ:
# ๐ด๐๐๐ 1: ๐๐๐ ๐๐๐๐๐๐ ๐๐๐ ๐ ๐๐๐๐๐๐๐ ๐๐๐๐๐ ๐๐๐โ๐๐ ๐๐๐๐ ๐๐๐
๐๐ ๐
๐๐๐ ๐๐๐๐๐๐
# ๐๐ฎ๐ฐ๐ ๐ญ: All though you will not be able to buy a vehicle when under debt review, after the process, the debt review flag will be lifted from your name. As soon as youโve built up a good credit record, you will be able to apply for vehicle finance. A good start is to open an account when the flag is removed from your credit record so that the creditors will be able to see that you repay your accounts on time.
# ๐ด๐๐๐ 2: ๐๐๐ ๐๐๐๐
๐๐ ๐๐๐ ๐ ๐๐๐๐๐ ๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐ ๐๐๐๐ ๐
๐๐๐ ๐๐๐๐๐๐ ๐๐ ๐๐ ๐๐ ๐๐๐๐๐๐๐๐๐
# ๐๐ฎ๐ฐ๐ ๐ฎ: You do not have to pay any amount to start with debt review. The fees will be collected during the first two months of your debt review process and is based on what you can afford.
# ๐ด๐๐๐ 3: ๐๐๐ ๐๐๐๐ ๐๐ ๐ฉ๐๐๐๐๐๐๐๐๐๐
๐๐๐๐ ๐๐๐
๐๐ ๐
๐๐๐ ๐๐๐๐๐๐
# ๐๐ฎ๐ฐ๐ ๐ฏ: You can apply for debt counselling even when you are blacklisted. The NCA will flag your credit record when under debt review. This means that you wonโt be able to apply for credit when under debt review, however you will not be blacklisted.
Contact Garden Route Debt Counsellors for more information and to apply for the debt review process.
๐๐จ๐ง๐ญ๐๐๐ญ ๐๐๐ซ๐๐๐ง ๐๐จ๐ฎ๐ญ๐ ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐จ๐ซ๐ฌ
โTel No: 044 690 3782
๐ฑCell No: 076 451 4329
๐Visit our office at: Shop 6, Steyn Bros Building, Mitchell St, Mossel Bay

๐๐๐ญ๐ซ๐จ๐ฅ ๐๐ซ๐ข๐๐ ๐๐ง๐๐ซ๐๐๐ฌ๐ ๐๐๐๐๐๐ญ๐ข๐ง๐ ๐ฒ๐จ๐ฎ๐ซ ๐๐๐๐ญ
๐๐ฒ๐ฏ๐ ๐๐ผ๐๐ป๐๐ฒ๐น๐น๐ผ๐ฟ ๐ถ๐ป ๐๐ต๐ฒ ๐๐ฎ๐ฟ๐ฑ๐ฒ๐ป ๐ฅ๐ผ๐๐๐ฒ
With yet another petrol price increases large number of consumers must cut on other expenses to make ends meet. Unfortunately, this has a huge impact on those who are already over indebted and are now getting in over their heads and cannot pay their creditors.
If your debt is getting the better of you, but you do earn a monthly income, then you might qualify for debt counselling.
Your local debt counsellor from Garden Route Debt Counsellors will assist your every step of the way by negotiating lower interest rates and repayment plans that you can afford, so that you have money left for your essential monthly expenses.
Contact Garden Route Debt Counsellors for more information.
๐๐จ๐ง๐ญ๐๐๐ญ ๐๐๐ซ๐๐๐ง ๐๐จ๐ฎ๐ญ๐ ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐จ๐ซ๐ฌ
โ๏ธTel No: 044 690 3782
๐ฑCell No: 076 451 4329
๐Visit our office at: Shop 6, Steyn Bros Building, Mitchell St, Mossel Bay

Beware of scams!
Here is one that's going around using the name SASSA or the words Social Grant Loan: https://buff.ly/3vjoSeN

Received a Section 129, Letter of Demand and wandering what to do next? Check out this article
https://www.dcasa.co.za/understanding-section-129-of-the-national-credit-act-34-of-2005-a-guide-for-consumers-with-debt-counselling-insights/

๐๐จ๐ฌ๐ฌ๐๐ฅ ๐๐๐ฒ ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐จ๐ซ
๐ท๐๐๐ก ๐ถ๐๐ข๐๐ ๐๐๐๐๐ ๐๐ ๐กโ๐ ๐บ๐๐๐๐๐ ๐
๐๐ข๐ก๐
It is a known fact that with the current economic situation in South Africa, many individuals are falling behind on their repayment of debt and in many cases do not have money left for basic living expenses. ๐ฐ๐ ๐๐๐ ๐๐๐๐ ๐ ๐๐๐๐๐๐๐ ๐๐๐๐๐๐, ๐
๐๐๐ ๐๐๐๐๐๐ ๐๐๐๐๐ ๐๐ ๐๐ ๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐ ๐๐ ๐๐๐ ๐๐๐๐ ๐๐๐๐๐๐๐๐ ๐๐๐๐ ๐๐ ๐๐๐๐๐.
Garden Route Debt Counsellors in Mossel Bay offers expert advice and will be able to evaluate your current financial situation to see if you are eligible for debt counselling.
Lee your local debt counsellor will help your every step of the way by negotiating lower interest rates and repayment plans that you can afford, so that you have money left for your essential monthly expenses.
Contact Garden Route Debt Counsellors for more information.
๐๐จ๐ง๐ญ๐๐๐ญ ๐๐๐ซ๐๐๐ง ๐๐จ๐ฎ๐ญ๐ ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐จ๐ซ๐ฌ
โTel No: 044 690 3782
๐ฑCell No: 076 451 4329
๐Visit our office at: Shop 6, Steyn Bros Building, Mitchell St, Mossel Bay

๐๐ง๐จ๐ฐ ๐ญ๐ก๐ ๐๐ข๐๐๐๐ซ๐๐ง๐๐ ๐๐๐ญ๐ฐ๐๐๐ง ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐ข๐ง๐ ๐๐ง๐ ๐๐๐๐ญ ๐๐๐๐ข๐๐ญ๐ข๐จ๐ง
๐บ๐๐๐๐๐ ๐
๐๐ข๐ก๐ ๐ท๐๐๐ก ๐ถ๐๐ข๐๐ ๐๐๐๐๐๐
When over indebted consumers tend to go for the fastest, easiest way out and several of them fall for debt mediation without having all the facts. Debt mediation is a process in which a third-party acts as a mediator between you and your creditors, by trying to come to an agreement of reducing your monthly installment.
Debt mediation offers no legal protection as it is not approved by the National Credit Regulator (NCR). Lee from Garden Route Debt Counsellors offers professional debt counselling as she is registered with the National Credit Regulator.
Get out of debt and have your assets legally protected, contact your local debt counsellor from Garden Route Debt Counsellors for an appointment to discuss whether you qualify for debt counselling.
๐๐จ๐ง๐ญ๐๐๐ญ ๐ฎ๐ฌ ๐๐๐ซ๐๐๐ง ๐๐จ๐ฎ๐ญ๐ ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐จ๐ซ๐ฌ
โ๏ธ044 690 3782
๐ฑ076 451 4329

๐๐๐ซ๐๐๐ง ๐๐จ๐ฎ๐ญ๐ ๐๐๐๐ญ ๐๐จ๐ฎ๐ง๐ฌ๐๐ฅ๐ฅ๐จ๐ซ๐ฌ ๐๐๐๐ข๐๐ ๐๐ฅ๐จ๐ฌ๐๐ ๐๐จ๐ซ ๐ญ๐ก๐ ๐๐๐๐ฌ๐จ๐ง
๐๐๐ ๐ ๐๐ ๐ต๐๐ฆ ๐ท๐๐๐ก ๐ถ๐๐ข๐๐ ๐๐๐๐๐๐
The office of Garden Route Debt Counsellors will be closed for the festive season from 14 December 2023 till 10 January 2024. You will still be able to reach us via e-mail or on our cellphone.
Enjoy festive season and spend wisely!
๐ฑ๐๐๐ฅ๐ฅ ๐จ๐ซ ๐๐ก๐๐ญ๐ฌ๐๐ฉ๐ฉ ๐ฎ๐ฌ on 076 451 4329
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Contact the practice
Address
Shop 6, Steyn's Mica Building, C/o Bland & Michell Streets
Mossel Bay
6500
Opening Hours
Monday | 09:00 - 16:30 |
Tuesday | 09:00 - 16:30 |
Wednesday | 09:00 - 16:30 |
Thursday | 09:00 - 16:30 |
Friday | 09:00 - 13:00 |