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Questions & Answers

Questions & Answers


  1. When do I need a Debt Counsellor?
  2. At the end of the month when your salary has been deposited into your bank account, you find that there are too many debit orders and credit repayments resulting in you having very little money left to cover your basic living expenses. You have to borrow money to survive the month. You need Debt Counselling. Apply Now.

  3. When does Debt review begin?
  4. Immediately on the completion of the application form. We load your name onto the NCR Debt Help, ensuring that you are protected

  5. How long will it take me to be under debt review?
  6. Thembeka Debt Counselling will help you repay your debts as fast as possible. With our cascading programme, when one small debt is paid off, the instalment of the paid up account is added to the larger outstanding balance, thereby helping you pay back your debt faster.

  7. How do I know that I am dealing with a reputable company?
  8. We are registered with the National Credit Regulator, Registration number NCRDC86. We have been operation since 2008. You are free to ask for testimonials from our satisfied clients.

  9. What are the fees and how do I pay?
  10. The National Credit Regulator sets our fees. Our fees are reasonable and are on a sliding scale. You do not have to pay upfront, the first installment to your credit providers pays for our fees.

  11. Do I have to appear in court?
  12. No! We appear in court on your behalf. Thembeka Debt Counselling will be noted as the applicant in the court matter

  13. Do I have to be employed to be under debt review?
  14. Yes, you have to be employed or have some form of income, like rent from a property.