Consumer Guard Services

Our Services

Consumer Guard is a registered Debt counselling firm – We registered with NCR (National Credit Regulators) – Registration number NCRDC 3315

DEBT CONSOLIDATION LOANS ➤

DEBT CONSOLIDATION LOANS

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DEBT RESTRUCTURING ➤

DEBT RESTRUCTURING

What Is Debt Restructuring?


How It Works?

WHAT IS EXPECTED ➤

WHAT IS EXPECTED

What to expect from our services?


GETTING STARTED

How it Works?

All you have to do is go through the 6 steps below and pay your lower debt repayment once a month on time.
Then you and your assets will be completely protected and you’ll be on your way to becoming rehabilitated back into the credit market.

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STEP 1

Submit your details to us using our online contact form to get a phone call back from our consultant on the same day, during working hours. Only to be guided step by step through the rest of our quick easy application process.

STEP 2

First, your consultant will establish what your expenses and incomes are on an average monthly basis. If you spend more than you make, this means you are over-indebted and qualify for debt review.

STEP 3

Next, we will let all of your credit providers and credit bureau’s know that you are entering Debt Review with consumer Guard. Your credit provider won’t be able to take legal action against you for 60 working days.

STEP 4

After asking your credit providers to send over a Certificate of balance (COB) for all of your accounts, we will draw up a reorganised debt repayment plan for you.

STEP 5

Then we’ll negotiate with the credit providers to have your monthly instalment and interest rate reduced. We’ll ensure you can afford to cover your monthly living expenses, as well as stick to a more manageable reorganised debt repayment plan.

STEP 6

Our attorney will apply to the magistrate court to have your reorganised debt repayment plan declared a court order that is legally binding. Your Debt Counsellor will be the applicant on your behalf, so you won’t have to appear in court.

What is Expected

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Immediate financial relief

Reduce the stress and start gaining control of your finance

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Protection of assets

Remove the fear of assets forfeiture and protect what is yours

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Protection against legal action

No need to be afraid of the law, if you paying your debt on time

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24/7 Access to your progress

See your repayments and how much debt you have at a time

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Clearance of your credit record

Future credit is possible again with a clear credit

“A PDA will distribute your monthly payment to all of your creditors”
“We monitor to make sure everything remains smoothly on track and provide you with monthly aftercare-financial assistance and budget guidance” – Team Consumer Guard

ALL YOUR DEBTS EXPLAINED

Debt Solution

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Debt Consolidation Loan

  • Debt consolidation is a viable financial solution designed to simplify multiple debt repayments and under some circumstances, save the debtor money
  • The process essentially involves taking out a single, new loan, at the lowest possible interest to pay off multiple smaller debts.
  • Types of loans available: Home, Personal and Secured loan
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Debt Management

Debt management is a debt solution targeted at South Africans who are struggling to make debt repayments, but are not yet classified as over indebted. The benefits are as follows:

  • Advice with Consumer Gaurd, advisors who are ready to help, your first step to better money management  is just a phone call away
  • Debt plan will enable clients to stay on top of their finance
  • Reduces debt repayment amounts and increase cash flow by managing flow
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