Lori A. Grover, NCPM talks about the the division of marital property when using Divorce Mediation.


RI Divorce Mediation Center: For A Divorce You Can Live With

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John gives his quick review of The Debt

Chris Hogan stirs audiences to action wherever he speaks. Whether Chris is delivering a keynote on personal money management or teaching an all-day leadership training for business owners and professionals, your audience will be entertained and challenged.

Chris Hogan is a sought-after, diverse speaker who loves to challenge, motivate and encourage business leaders, real estate professionals, military personnel and students to be their very best—no matter what!


Debt counseling and debt review is expected to offer people who are over-indebted a way to negotiate a more affordable repayment plan with their creditors. The process of debt counseling is provided for in the National Credit Act (NCA), , and applies to credit agreements entered into before and after that date.
If you are struggling to pay your debts, facing legal action or you are about to have your vehicle and/or property repossessed, you can approach a Help with debt, debt counselor and ask him or her to review your situation.
Alternatively, a credit provider, such as your bank or a retailer, may refer you to a Help with debt, debt counselor if you fail to meet your repayment obligations.
There are no restrictions on who can use Debt counseling and debt review trough Help with debt, – anyone from any income group and who owes any amount of debt can apply for debt counseling. Through Help with debt
Help with debt, Debt counselors are entitled to charge you an upfront fee of R50 plus VAT for an application to have your debt reviewed. A Retainer of R300 will be kept as early cancellation fee. This R300 will be deducted off the Rehabilitation fee payable
Most also charge you substantially more for an initial review of your debts, and Help with debt may offer to review your debts on an ongoing basis, for which they will also charge a fee. But as yet there are no set amounts that Help with debt, debt counselors may or may not charge for initial and ongoing reviews.
The National Credit Regulator (NCR) plans to help lower-income earners by paying their Help with debt, debt counselors’ fees.
Before determining whether or not to accept your application to review your debt, a Help with debt, debt counselor must consider your debts and financial obligations to determine whether you are over-indebted. The NCA describes over-indebtedness as a situation in which you are or will be unable to meet all your debt obligations timorously.
A Help with debt, debt counselor will investigate your existing income and your income-earning prospects, and all your current financial obligations.
Once a Help with debt, debt counselor has accepted your application, he or she will inform all your creditors and every registered credit bureau that you have applied for debt counseling. You will not be able to access any further credit until your debts have been repaid. You will even have to cut up your credit and store cards.
The Help with debt, debt counselor will then consider your debts and financial obligations to determine what you can afford to repay each month, and will enter into negotiations with your creditors to restructure your debt.
If your creditors agree to the repayment proposal put forward by the Help with debt, debt counselor, the counselor will apply to the National Consumer Tribunal for a consent order for the repayment plan.
If your all creditors do not agree to the plan, the Help with debt, debt counselor will take the plan to a magistrate’s court, and the court will have to decide what is a fair repayment plan. In this case you could face further charges for the cost of hiring lawyers to represent your case in court.
Reckless lending
If a Help with debt, debt counselor suspects that you were given credit recklessly because you could not afford it, he or she can ask a court to decide if this was indeed the case and if so to suspend the agreement or set it aside.
Once your repayment plan is agreed, you will make payments to a distribution agency registered with the NCR and it will distribute what you pay to your creditors. The agency will be paid by way of a fee from the creditors.

Canadians are positively swimming in debt. More than $2 trillion, in fact, according to the latest numbers from the Bank of Canada. That’s up by almost four per cent in the past year, despite repeated dire warnings from economists, policy-makers and central bankers.

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Debt can factor as a large component on a farming business’ balance sheet. When a farming business is unable to meet their obligations to their lender the farm debt mediation process begins. This webinar aims to arm you with information on the process and dispel some of the fears and myths around Farm Debt Mediation. Denis McMahon, Senior Lawyer, Farm and Rural Legal Service will discuss the following:

* What is debt mediation?
* What are your rights?
* What your lender can and can’t do
* Timeframes involved
* Levels of assistance – who can help/costs etc
* Changes proposed in the new Farm Business Debt Mediation Bill

You cannot open a new debt whilst under debt review because,

Jean Varden
The Debt Counselling Centre
032 586 3597

You cannot open a new debt whilst under debt review because the reason you are under debt review its because you are over-indebted and if you open new debt you will not be able to afford to make those payments then you will be stressed and won’t be able to come out of debts. But after your debt have been paid up you will be able to open a new account and we will issue a clearance certificate.

The Video and Information is the property and copyright of its rightful owner.

Copyright under the Copyright Act 98 of 1978, the Companies Act, 2008 No 71 of 2008 and the Intellectual Property Act.


No allowance is made for “Fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, or research.

What are the advantages of debt counseling
debt counseling is a credit restructuring process instituted by the National Credit Act and is enforced by the NCR
We are registered debt counselors in Pretoria and give free debt counseling advice and information to all clients in
Our debt counseling services include providing you with as much possible information on the process so that you can make an educated decision as to the fact that debt counseling might be the answer to your credit problems
The debt counseling process include that you first of all complete the informal application form so that we can assess your current financial situation. When we determine that you are over indebted we can launch a formal debt counseling application
what is debt counseling:
Debt counseling allows registered debt counselors in Pretoria, like Help with Debt, to restructure your monthly debt repayments and reduce those payments by up to 60% without increasing your total debt amount
credit and debt counseling works for consumers that struggle to pay their loans but want to pay. We get a lot of consumers in Pretoria that tell us they make debt repayments and in the process don’t keep any money for living expenses
Our debt counseling services include negotiating with your creditors to reduce your monthly debt repayments on a formal restructuring process
debt consolidation counseling is another way of looking at debt review and debt counseling. You will only pay one amount into the Payment distribution agency (PDA) towards all your creditors. The PDA ensures that no one handles your money and this eliminates any malpractice in our industry
debt counseling fees are calculated according to your budget and prescribed by the NCR as well as the Act. You do not pay any upfront fees and your debt review application pays for itself.,
credit debt counseling will reduce your monthly debt repayments giving you a better future from day one
You can include credit card debt counseling, home loans, vehicle finance and any other credit agreement you have
debt review will prevent any further legal action against you and can prevent repossession of your vehicle and house
Contact Help with Debt today so that we can explain the debt review process to you in full.
Many consumers ask us how to get out of debt review. This is very simple. You can exit debt review at any time but need to be aware of the fact that you will not enjoy the protection the Act gives you once you exit debt review
loans for people on debt review is illegal. If you are under debt review, you cannot apply for any more credit as it will be declined because of your status.
Please contact us today for debt review and debt counseling applications in Pretoria

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What is Credit Counselling? Lets take a look at that and compare debt settlement to credit counselling with a former non-profit credit counsellor.

Watch the video now and learn about credit counselling from a insider that formerly worked at a non-profit credit counsellor in the Toronto area