Wednesday, April 30, 2014

Where can I get debt help?

If you are in debt then it’s important to seek debt counselor help as well as doing your own research. There are many different solutions available for debt problems. Many of the debt advice company specialize in only one or very few solutions.Debt counseling professionals will give you impartial advice and help you find the way for getting out for debt that’s right for you.

At Pay plan solutions in being able to offer a wide variety of solutions. Our professionals will work to fully understand your financial position from your perspective and only the suggest and recommend effective solutions for you. We advice your clients to decide how to get back your debt in control. Where you may already have way in to debt counselor like personal financial advisors, bankruptcy lawyers and accountants, you should ask them for help in eliminating your debt. If they may not handle the matter themselves, they can likely refer you to another expert who can. The earlier you act on this, the faster you can find relief and feel free from debt.

 first FREE assessment, fill in your contact information and one of our associates will be in touch with you shortly to give you more details. Visit us :

Monday, April 28, 2014

Realistic Goal for Get Out of Debt

Getting outof debt is one of the key fundamentals to becoming economically fit. In a society driven by monetary excess, reaching this goal is ever more difficult but can be done and some determination and the right tools to help you get there. Getting out of debt takes good development, regulation, hard work and time. By practicing cost saving techniques you should have more money to pay off debts.

If you are in debt, your life is not your own. Deb t freedom is the freedom to spend your money where you like. Debt freedom is not debt freedom if you are in a mountain of debt! Your priority is to clear your debts before anything else’s. There is a time to be in debt, when it’s helping you gather wealth. Some of these may be hard for you implement, but just as we said at the beginning of this article, what you are willing to give up to get out of debt and get ahead in your finance and ultimately your life shows true commitment.

We have put mutually a list to help you look at your life and make some changes that can assist you get out of debt. These are just a minority. As you look at your lifestyle, we are sure there will be other areas where you can cut back in.

1.     Record your debts smallest to largest
2.     Now create a trace of the other details.
3.     Generate your monthly budget.

Several people who have debt blindly make their smallest amount payments each month without a single thought about paying off the debts. Displaying an interest in decreasing your financial debts is a big step. Let one big phase cause to another by figuring out how to put together a plan to eliminate your debt.

For your first free of charge ,fill in your contact details and one of our associates will be in touch with you shortly to give you more information or visit us :

Monday, April 21, 2014


Debt Review is a process in terms of the National Credit Act for over indebted consumers. The purpose of the act is to protect the over indebted consumer against credit providers. It is the most suitable way to taken against you. The aim of debts evaluation is to have your financial obligations the month and ending up with nothing on your bank account then debt review is for you.

How does Debt Review works?

The First step in the process is to get the help from a debt counselor and we do recommend that you do work with a company that has a NCR number and thus is registered with the NCR. If you apply for debt review then a direct money debt counsellor will assesses your outstanding debt and then consult with credit provider on your behalf and assist you to establish an affordable monthly payment plan that incorporates both your earnings and living expenses. The debt counselor will then draw up and income and expenses document to determine truly if you are able to repay your debts and give the final number to you. It is very important to provide the documentation and information requested so that your debt counselor can provide you with the best possible services. If you are not able to pay back your financial obligations, the formal process of applying for debt counseling will start. It is truly your last chance to save yourself from getting legal action taken against you. The aim of debts evaluation is to have your financial obligations restricted to one affordable monthly premium.

Monday, April 14, 2014

Lets Help You Get What You Need

Unwise decisions and turning a blind eye to financial problems are all reasons of debts out of control. Sometimes debt can come unexpectedly which takes a turn for the worst and presents expensive bills. The fact is, people often experience absolutely incapable, embarrassed and afraid for the future. 

Debt management services are useful for sorting out the paperwork of debt because debt counseling not only looks at ways to control debt, but it also aims to crux of the problem by underlying causes and any resulting personal issues. Is there anything about yourself or your lifestyle you experience you need to change? How can you avoid yourself from repeating your mistakes and how can you make a strategy for a more happy future? Then you may be motivated by your debts counselor. 

How can debt counseling help?

  • There is advice, help and support available to you.

  • With planning, patience and time, you will be able to settle your debts.

  • Your hopeless and helpless feelings will fade.

Thursday, April 10, 2014


Debt review is a formal process and it will affect your credit rating, but sometimes is the best remedy for you. Here is the way it operates for you to consider. A method to review your obligations towards those you owe. A personal should evaluation his debts every 3 to 6 months on his own to see where or what creditors he can settle first or soonest. Debt review was implemented by the government in 2007 to assist consumers that find they over-indebted. Other reasons for this were due to the increase of written off or bad debt, creditors proceeding with garnishee orders against customers incomes, repossessions. Also to assist lenders to collect debt owed to them and not writing it off as bad debt.

What is over-indebted?

A person that has debt, and cannot a services his monthly obligations towards his creditors as per the unique agreement. There are many factors why this can occur.
Reason for over- indebtedness:
Ø  Job loss
Ø  Over spending
Ø  Interest rate hikes
Ø  Increase in household expenses

How does the process work?

A consumer will approach a Debt Counsellor to assist with finding a solution through the process. A debt counselor is a person that meets the requirements set out by the National Credit Regulator “NCR” that has completed the Debt Counseling course and has registered with the “ NCR”. The NCR regulates all debt counselors. Through this process the Debt counselor will determent if the consumer is over-indebted.


Ø  Customers can compensate their debt at a diminish installment
Ø  Credit providers cannot take any authorized action against consumers.
Ø  Consumers cannot obtain new debt
Ø  Interest can be negotiating with credit providers.
Ø  Advantage of their income for household expenses.

As still, the important thing is to take good advice and Debt review your options carefully with an expert in the area of debt. So call Pay Plan Solution right now- and deal with your debt problem…