6.  ARE YOU GETTING CALLS ???  BANKS  CREDIT CARDS  MOTOR VEHICLE  HOMELOAN  PERSONAL LOANS  CELL PHONE CONTRACTS  STORE CARDS ( EDGARS, TRUWORTHS, WOOLWORTHS, ETC)  COLLECTIONS AGENCIES / DEBT COLLECTORS ( MBD Attorneys, etc)  ARE YOU AVIODING PRIVATE PHONE CALLS SCARED IT MIGHT BE CREDITORS  ARE YOU???  GETTING SUMMONS AND YOU DO NOT KNOW WHAT TO DO ABOUT IT  HAVING PEOPLE COME TO RE-POSSESS YOUR MOTOR VEHICLE  IS YOUR???  HOUSE GOING TO BE REPOSSESED

7. EARNING  ARE YOU EARNING TO LITTLE TO PAY ALL YOUR MONTHLY BILLS EVERY MONTH OVER INDEBTED  ARE YOU OVER INDEBTED CANNOT  IF YOU PAY YOUR ACCOUNTS YOU CANNOT BUY FOOD AND NECESSITIES AND GIVE YOUR KIDS WHAT THEY NEED STRUGGLING  ARE YOU STRUGGLING TO MEET YOUR OBLIGATIONS EVERY MONTH REPAYMENTS  IN SHORT, WHEN YOU STRUGGLE TO MEET ALL YOUR DEBT REPAYMENTS ON TIME; OR ENOUGH  IF YOU DO NOT HAVE ENOUGH MONEY LEFT AFTER PAYING ALL YOUR ESSENTIAL LIVING COSTS TO PAY YOUR DEBT, YOU ARE OVER-INDEBTED APPLY NATIONAL CREDIT ACT OBLIGATIONS  ANY CONSUMER WHO IS OVER-INDEBTED CAN APPLY FOR DEBT REVIEW. ACCORDING TO THE NATIONAL CREDIT ACT, A CONSUMER IS OVER-INDEBTED WHEN HE/SHE IS UNABLE TO SATISFY IN A TIMELY MANNER ALL HIS/HER OBLIGATIONS UNDER ALL HIS/HER CREDIT AGREEMENTS (AFTER PAYING HIS/HER BASIC LIVING COSTS). What do I do???

10. PEACE OF MIND  You will have PEACE OF MIND take  We will take care of your summons and legal letters for you  No  No more worry about any collection agency calling you anymore creditors  We will take care of all your creditors, you wont get any threatening calls or letters anymore worry  You don’t have to worry about your motor vehicle or house being taken away by the bank can  You can answer your phone with ease as you wont be avoiding calls as Debtcom will take care of that for you one  You just make one payment to the PDA and all your accounts are paid, no standing in any long queues to pay your bills extra cash  You will have extra cash for the things you couldn’t afford before afford  You can now pay what you can afford to pay your creditors any  You don’t have to worry about getting any garnishee on your salary wont  You wont be getting any more legal letters or legal action cannot be taken against you once you are under debt review PROTECTEDNCR  You are PROTECTED by the NCR accept  Your creditors will have to accept the amount that is proposed to them, or else a court order will be issued

11. DEBTCOM free legal DEBTCOM has a free legal ( DEBT REVIEW ) ADVICE LINE Operating hours MON-FRI 9am to 9pm SAT 9am to 1pm 081 405 6883 DEBTCOM free legal DEBTCOM has a free legal ( DEBT REVIEW ) ADVICE LINE Operating hours MON-FRI 9am to 9pm SAT 9am to 1pm 081 405 6883

14. ARE YOU OVER INDEBITED ARE YOU OVER INDEBITED*HOMELOANS *VEHICLE FINANCE *STORE CARDS / CREDIT CARDS *PERSONAL LOANS *SUMMONS, *LETTER OF DEMANDS, PENDING *LEGAL ACTION, *PHONE CALLS FROM CREDITORS DEBTCOM WILL START THE PROCESS *SEND NOIFICATION TO YOUR CREDIT PROVIDERS ( 17.1) *DEBTCOM WILL MAKE ASSESSMENT WITHIN 30 DAYS *FINALIZE WITHIN 60 DAYS..... ON THE ROAD TO FINANCIAL FREEDOM * ONE EASY PAYMENT TO THE PDA.... *START PAYING YOUR CREDITORS..... * LEAVING YOUR CREDITORS TO US TO WORRY ABOUT STRESS FREE, *STRESS FREE, *HAPPY LIFE, *YOU CAN SLEEP PEACEFUL AT NIGHT, *EXTRA CASH IN YOUR POCKET * NO MORE THREATENING PHONE CALLS..........

15. WHAT IS DEBT COUNSELING? Debt Counseling is a solution for over-indebted borrowers that ensures sufficient protection against loss of assets and assists with the restructuring of debt that the consumer can meet his/her basic living expenses. Debtcom negotiates with the credit providers on your behalf to arrange an affordable payment amount. WHAT DOES IT MEAN TO BE IN DEBT? Being over –indebted simply means that you don’t have enough funds to pay other financial responsibilities once you have paid for your necessities, and if you happen to be a living breathing ad eating human being in today's world then it means that you are in no doubt managing some form of debt. With loans a, credit cards and accounts being so easily available it Is easy to find yourself buried n debt before you realize it.

16. WHAT DEBTS ARE INCLUDED ? All credit agreements with credit providers This included : Home loans Vehicle finance Store cards (EDGAR'S, TRUWORTH’S Woolworths,.etc) Cell phone contracts School fees Credit cards Personal loans Pending legal action, summons, legal letter, pending garnishee, (Providing NO legal action taken against you already) CAN I APPLY FOR DEBT REVIEW IF I AM UNEMPLOYED? NO YOU CANNOT NO YOU CANNOT, because you do not have an income to pay your creditors

18. WHY DEBT COUNSELLING?WHY DEBT COUNSELLING? DEBTCOMThe debt counselling process is a very powerful process introduced by the National Credit Act to help over- indebted consumers. The main purpose of the act is to help you, the consumer. This process also provides immediate protection against legal actions and blacklisting. DEBTCOM negotiate with your credit providers on your behalf to arrange an affordable payment amount WHEN CAN I APPLY FOR DEBT REVIEW?WHEN CAN I APPLY FOR DEBT REVIEW? Any consumer who is over-indebted can apply for debt review. According to the National Credit Act, a consumer is over-indebted when he/she is unable to satisfy in a timely manner all his/her obligations under all his/her credit agreements (after paying his/her basic living costs). In short, when you struggle to meet all your debt repayments on time; or If you do not have enough money left after paying all your essential living costs to pay your debt, you are over- indebted YOU CAN APPLY WHETHER YOU ARE:YOU CAN APPLY WHETHER YOU ARE: Blacklisted or not; or Whether you are in arrears or not TYPICAL SIGNS OF OVER-INDEBTEDNESS INCLUDE:TYPICAL SIGNS OF OVER-INDEBTEDNESS INCLUDE: You receive threats because of arrears on instalments, for example: Letter and notices Phone calls from creditors When you borrow on a regular basis from micro-lenders/cash-loans When you have garnishee orders against your salary When you are using a credit card to buy groceries or to pay other basic living cost, debt and instalments

19. FAQ’S IS MY MONEY SAFE ? ABSOLUTELY NCRABSOLUTELY. At no stage during the process do we (or anybody else) have access to your money. Your money is paid directly to the NCR accredited Payment Distribution Agent who in turn distributes the funds to your creditors. WILL MY EMPLOYER AND WORK COLLEAGUES FIND OUT ? NoNo. All your information is treated with the utmost confidentiality. ONCE I’VE CLEARED ALL MY DEBT WILL YOU REMOVE MY NAME FROM THE CREDIT BUREAU ? YesYes.

20. THE PURPOSE OF DEBTCOM IS TO PROVIDE A SOLUTION TO ENABLE THE CLIENT IN MEETING HIS/HER BASIC LIVING EXPENSE AND NEEDS…. DEBTCOM

21. DEBTCOM