Quality Living
Counsellor in Pretoria

Quality Living have been assisting clients and companies in debt trouble since 2008.

At VJO Debt Counselling we understand the pressures of balancing family, work and your bank balance. We will help you reduce your monthly debt repayments and finally achieve financial freedom. The goal of Debt Review is to negotiate a repayment plan. In most cases we manage to negotiate lower interest rates. No, while you are under debt review and continue to pay your restructured instalment, the credit providers are prohibited from taking further legal action or attaching your assets. If you have already defaulted with the payments and were already handed over to Attorneys in order to issue the Section 129 letterIf you have already been served with a summons, but then only that creditor can proceed with action. The period of the Debt Review varies according to how quickly you can pay off all your debt. Note that this is just an indication as daily interest and costs apply to all the accounts. You can always pay more than provided for in order to pay off your debt quicker. The Debt Counsellor brings the application, not the Consumer. If you’ve been summoned to Court, will we still be able to assist you? Yes, we can still assist you with all your other debt in order to service the account that is already in legal status. As Attorneys we can also try to negotiate with creditors who already issued Summonses to accept a lower payment, even though they are not obliged to take part in the process. No, the Debt Review process is designed to help over indebted Consumers and prevent these Consumers from taking additional credit, until such time as the Consumer meet their financial obligations in full. The idea is to get over-indebted Consumers to a stage when they are debt free again. No, the whole process can be finalized telephonically and by email, no matter where you are in South Africa. We have a national client base and can assist you wherever you are. You need to inform us immediately in order to see whether we will be able to assist you. You still need to be aware that the Debt Review process does not make any provisions for non-payments. There are no upfront fees payable, as the fees are automatically deducted from your monthly instalments.