I wish I knew this about Debt Counselling before I applied.
Known as debt review or debt counselling, debt relief measures like debt review offers debt relief to borrowers in South Africa who are over-indebted. To prevent consumers from being blacklisted, the National Credit Act (NCA) introduced this process in 2007.

An income-constrained South African can benefit greatly from the process if they are finding it difficult to make ends meet. Especially for those who cannot keep up with monthly debt payments after falling further into debt. Debt review is safer, cheaper, and more effective than consolidation loans, which tend to be short-term and can end up getting consumers deeper into debt.

Are you having difficulty paying your debts on time and in full? Does it take a lot of effort to pay for your basic needs? Then you need a debt review.

A debt counsellor can help you with the legal process if you are over-indebted. To get help with debt, you need a debt counselor registered with the National Credit Regulator (NCR). Get in touch and I will recommend a few for you.

??TIMESTAMP??
00:00 Introduction
00:50 The reasons people seek Debt Review
01:24 Reckless Lending Explained
01:43 The biggest mistake people make with Debt Review.
01:59 Debt counseling: All you should know before applying
02:41 How Debt Counselors exploit poor consumers
03.15 In what ways do Debt Counselors help?
02:38 Don’t lose your Assets
03:46 Authors experience in Debt Review
05:34 Who is eligible for Debt Review
06:02 What is Debt Review
06:31 Significance of Interest and Budget in Debt Review
06:56 Reasons to apply for Debt Review
07:52 The purpose of Debt Review
09:22 Wrong reasons to join Debt Counselling
10:53 Clearance Certificate
11:55 What should you do after this advice?
12:53 Payment Distribution Agency (PDA)
15:50 Contact Details.

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I’m Aja Dang and here are the 7 things I wish I knew about paying off debt while I was paying off my credit card, car and student loan debts. Just remember, you are so brave for wanting to tackle your debt. I feel like now there is this huge momentum for people in our generation to want to get out of debt – we are stick of feeling broke and tired of watching our paychecks go to someone else. No more! This is an exhausting journey but hopefully these 7 things will remind you that you are not alone in your experience. Here are the lessons I learned about paying off debt.

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Albert Sbragia considers American urban government as an investor whether for building infrastructure or supporting economic development.  Over time, such investment has become disconnected from the normal political and administrative processes of local policymaking through the use of special public spending authorities like water and sewer commissions and port, turnpike, and public power authorities.

Sbragia explores how this entrepreneurial activity developed and how federal and state policies facilitated or limited it.  She also analyzes the implications of cities creating innovative, special-purpose quasi-governments to circumvent and dilute state control over city finances, diluting their own authority in the process.

Product Features

• Used Book in Good Condition

Third printing, October 2010

Reviews

Michael’s focus is definitely for anyone who is in debt and wants some no-nonsense simple systems to bail out of it.
— Janine Bolon, founder of SmartCents Inc and author of ‘Money…It’s Not Just for Rich People’ and ‘Ditching Debt’

This book doesn’t waste time making its points, and there are many very good points. Michael Mihalik is a good teacher, and Debt is Slavery is the kind of how-to manual that should be handed out like tracts at an airport.
— MightyBargainHunter.com

Debt is Slavery is a great personal finance book, one of the best I’ve read.
— GetRichSlowly.org

The book is lean and mean – it doesn’t mince many words at all. If direct and clear advice is what you’re looking for, you can’t do much better than Debt is Slavery.
— TheSimpleDollar.com

Debt is Slavery is packed full of content and it prompted me to action. This book made so much sense to me and I think it helped me realize my true priorities. Your book is making a huge positive difference in my life. Thank you.
— BloggingAwayDebt.com

Book Description

In his book, Debt is Slavery, Michael Mihalik describes the 10 steps he personally used to gain control of his finances and pay off a large amount of debt.

The key to Mihalik’s method is changing the way people think about money. Mihalik contends that people who do not change their perceptions about money will never succeed in improving how they handle their finances because all action is born from thought.

Mihalik’s first technique is described in the title – equating debt with slavery. While this idea may seem extreme to some, people who are burdened with debt will definitely understand how borrowing money puts them in financial servitude to the lender. Successfully equating debt with slavery stops people from accumulating more debt, which is the first step towards recovery (similar to stopping the leak in a sinking boat prior to bailing out the water).

Mihalik goes on to describe other powerful ideas such as equating money with time (to eliminate unnecessary spending), evaluating the hidden cost of possessions, and avoiding the insidious influence of ubiquitous marketing. As the reader progresses through the book, their perceptions about money will transform until by Chapter 9, they will truly believe they can ‘Save 50 Percent of Your Salary’. The book ends with an in-depth description of a simple way to plan your finances.

The author states in the introduction that because people are busy and do not want to be distracted by ‘fluff’, he has boiled the book down to the absolute basics. The result is a hard-hitting book that is 128 pages cover-to-cover. There is a gem on every page and even the busiest person can find time to read this powerful book.