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Teanna, 21, From Bronx, Ny & College in Washington, DC

Remember! PRACTICE, PRACTICE, PRACTICE
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National Debt Mediation Association CEO, Magauta Mphahlele, discusses various debt options.

Introduction to debt counseling in South Africa. Who should apply for counseling and how to do it. Visit www.antoncollinetdebt.co.za

How Do Debt Consolidation Companies Work?. Part of the series: Credit Card Debt. Companies that work in debt consolidation are usually non-profit organizations, and they work in several ways, including making contact with creditors to try and get a person’s interest rates reduced. Find out how debt consolidation companies place all bills together with help from an experienced businessman in this free video on debt consolidation. Read more: http://www.ehow.com/video_4874450_do-debt-consolidation-companies-work_.html

DCM Group Marketing Director Anjela da Silva looks at the reasons why Debt Counselling is a wise decision for over indebted consumers

Learn how to get out of debt fast. I show you how to eliminate debt quickly. To request information, go to www.michellemorar.com. Give me a like below if you like the information. Everyone knows how to get into debt, but it is much harder to get out of debt. Watch this informative and entertaining video to see what you can do to get out of debt fast. We take a simple concept immortalized by Dave Ramsey, and I give my insight. You start by finding $200 dollars extra a month. You can get that money in a variety of different ways, but you need to find the extra money. Then you need to attack the smallest debt first, if you want to feel a quick accomplishment. Otherwise, you can choose whichever debt that you attack first then proceed to the next as quickly as possible.

Thinking about filing for bankruptcy? Before you can file you are required to take a credit counseling course and submit the certificate of completion along with your petition and schedules. After you file, a second course and certificate are required to qualify for a discharge.

In this video, I explain what is involved with these two mandatory bankruptcy education courses.

Here is a list of approved vendors: http://www.bankruptcyworksheet.com/credit_counseling_vendors.html

Here is a link to my Atlanta bankruptcy web site: http://www.atlanta-bankruptcy-attorney.com.

Jonathan Ginsberg
Atlanta bankruptcy attorney
Ginsberg Law Offices
1854 Independence Square
Atlanta, GA 30338
770-393-4985

With South Africans continuing to become an over indebted society, how one begins to dig themselves out of the hole of debt becomes not only a financially important decision, but also one of legal imperative.

The President of the Debt Counsellors Association of South Africa, Paul Slot joined Tim Modise on the show to discuss the process of debt review, how one finds themselves in that position and most importantly, how one gets themselves out of it.

National Debt Mediation Association CEO, Magauta Mphahlele, discusses debt traps.

Withdrawing from Debt Counseling
!!!!It is very important that you think very carefully about going under debt counseling because once you have been declared over indebted and accepted into the process it will be very difficult to withdraw from the process and even more difficult to remove the Debt Counseling flag from your credit bureau record. Below is an extract from the Guideline:

CAN A DEBT COUNSELLOR TERMINATE OR WITHDRAW DEBT REVIEW PROCESS?
A debt counselor does not have statutory powers to terminate or withdraw the debt review process. This means that a debt counselor can no longer issue Form 17.4 and update DHS with status G (Voluntary withdrawal by consumer) or H (Withdrawal by a debt counselor). There is However varied ways in which a consumer can be withdrawn from debt review which will be set out below.

CAN A CONSUMER WITHDRAW FROM DEBT REVIEW PROCESS ONCE A DEBT REVIEW COURT ORDER HAS BEEN OBTAINED?
Once a debt review court order has been obtained a consumer cannot terminate or withdraw the debt review process, they can however approach the court to rescind the order or apply for an order which declares that the consumer is no longer over-indebted. Upon receipt of the order, a debt counselor will notify the credit providers of the withdrawal by means of Form 17.W and update DHS with status G.

CAN A CONSUMER WITHDRAW OR TERMINATE DEBT REVIEW PROCESS PRIOR TO OBTAINING DEBT REVIEW COURT ORDER?
Consumers can only withdraw or terminate the debt review process prior to declaration of over indebtedness as per section 86(7) of the Act and issuance of Form 17.2 subject to payment of debt counseling fees as per NCR Debt Counseling Fee Guidelines. If a determination is made and no court order is in place, the consumer will remain under debt review. A debt counselor will notify the credit providers of the withdrawal by means of Form 17.W and update DHS with status G.

CAN A CONSUMER BE TRANSFERRED TO ANOTHER DEBT COUNSELLOR?
A consumer under debt review may be transferred to another debt counselor subject to payment of all debt counseling fees where it has been established that the previous debt counselor followed the correct process. • Form 17.7 should be used to facilitate this process.