Voluntary Distribution is conducted bty a group of Attorneys. Distributing for over 15years, and have been practicing for over 60years. We do an assessment of your financial situation. We do an affordability assessment and compile the proposals for a Legally Reduced (Normally 50%) Monthly Installment that is payable to each Credit Provider. Each Credit Provider would receive payment monthly.

YES. We do not inform the NCR or Credit Bureaus as this is an accepted Informal Distribution. Its compulsory for you to Maintain a regular & timely payments. Should you be in a position to control your Credit Cards and some accounts you are not forced to include them on the Program. (This means that you are credit-worthy, you would still be able to apply for credit)

YES! the reason is they use Call Centres is that they have an Automated system when payments are missed. However, Notification letters are sent to all Credit Providers that you are on our Program. You simply just send us the detail of the caller and conact details to stop them from contacting you further. Call centre consultants do "LIE" and will give you false information as they earn commission on each payment they are able to obtain, We report this to their Supervisors.

This depends on on how large your debt is. You can Stop whenever you have stisfied your budget, meaning that you are in a better position to pay more and are in control of your finances.

This depends on the amount you can afford to pay and the term of the initail debt. The Attorney will send you monthly Statements starting from the second month showing you how much each credit Provider is Paid after collection commission (10%) is taken.

You do not pay up front fees. The FEES made to the creditors commence on the second month, the first months payment (reduced installment) gets held back for admin, documentation set up and commission. All the costs are included in the New Legally Reduced Insatlment. You will be charged 10% handling fees included in the New Instalment to protect you and handle any queries and disputes.

More disposable money monthly You can start saving. No repossessions, No summons. You can Stop whenever you satisfied your Budget.