Available to all over-indebted consumers in South Africa, Debt Review is a legal process which works to balance the needs of all parties to arrive at a fair solution. It helps you find relief and at the same time pay up your debt within about 3 years. During this period you will not be able to enter into new credit agreements, however, it is a long-term commitment to turning your life around for the better.
The first appointment includes the drawing of your credit profile, providing financial advice on your income and expenditure, setting up a realistic budget and advising on whether or not the solution would bring suitable relief to you. Debt review furthermore entails cutting on commissions and other hidden costs embedded in a credit agreement, in order to reduce the repayment total.
Did you know?
Many potential policyholders contact us wanting to know how to ‘exit’ debt review. There are only two ways in which you can ‘exit’ debt review:
Legal Hero unfortunately does not cover the cost for such an application (rescission order) where you were placed under debt review by a debt counsellor other than one appointed by Legal Hero, we can however refer you to one of our Panel Attorneys at a reduced and negotiated rate.
“I was very impressed with the services I received, from the moment I picked the phone I knew I was dealing with a professional company. Thank you for the way you treat your clients.”
"Nonhlanhla is a Hero for me. I wouldn’t afford increase on payments to the creditors, but Nonhlanhla really assisted me. Thank you so much for your excellent service Legal Hero.”
“Lovuyo is really handling my case well. The are many things I was not even aware of when it comes to maintenance, but I learned from Luvuyo's knowledge I feel empowered. I will Make sure I spread the word to people about Legal Hero’s best service.”
“Nonhlanhla is such a respectful lady and she knows her work very well. I’m so impressed with her service. Thank you Nonhlanhla for being the best and respectful officer.”
“Mr. Louw is very nice. He is doing everything he can to help me, updating me, he always finds a solution.”
“When you decided your company name as Legal Hero you knew you will be heroes to people’s life. You really live up to your name. I don’t regret leaving (name ommitted) and joining you. Mandisa is a 10 out of 10 as she is such a patient person ever, always reminding me.”
“One must first thank you for the assistance on clearing of my credit profile and retrieval of debt clearance certificate which has opened doors for me. I am finally an owner of the house. My kids were very excited, they can’t wait for their new home.”
“Keep it up man you’re doing a marvellous job because of you I can now bravely stand up and recommend Legal Hero as an organisation to anybody as the best.”
“The service that was rendered, you know, I will recommend that service now to anybody because the service I received from the legal practitioner, he went the extra mile in my matter, the open communication, he was available, prompt response on my emails. The services was excellent.”
"Karabo, thank you for guarding me very well with my case. I feel guarded and you are an excellent guardian. Thank you for being patient and for this best service.”
“I’m really impressed with Nonhlanhla’s services and the way she mediated on my case. The insurance ended up paying my settlement amount. Thank you for your great service and all I will make I recommend my colleagues to join Legal Hero.”