| To determine if you are over indebted simply verify the following statements | Yes | No |
| I receive letters of demands and/or other legal letters and/or threats/summons from creditors | ||
| Creditors call me regularly and/or constantly, reminding me to pay my accounts | ||
| It is not possible to spend less on the family, housing, travel and food and all debts are not paid | ||
| I know how to budget and I do not earn enough to pay all expenses monthly | ||
| I foresee that my debts will go unpaid due to unforseen arising circumstances* | ||
| One credit facility is used to pay another account | ||
| I buy food on my credit card and the outstanding balance increases monthly | ||
| I get additional loans to cover my monthly commiments | ||
| Credit card/s and/or overdrafts are used to cover my monthly essential living expenses | ||
| I sometimes do not make required monthly installments | ||
| The net amount of my income does not cover all my living expenses and all my debts | ||
| My debts influences my family life | ||
| I do not have any funds left for emergencies |
*Unforseen circumstances include medical expenses, short time work, cuts in commission, living cost increases, overtime cuts, etc.
If you answer Yes on any of these statements, you are in need of advise and should contact us immediately.
We provide free advise and your details are treated as confidential.
Complete your contact details on the right hand - just note your e-mail or contact number and we will contact you or call us now on 082 448 7204.
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