Asked every week, answered straight.

Negotiation, done professionally. We become the single point of contact for your creditors and work out payment arrangements or settlements built on your real budget. Every arrangement and every fee goes in writing before you pay anything. It is not the statutory debt review process — no court sets it up and no flag is placed on your record by the process itself.

Usually, yes — a workable arrangement beats an account stuck in collections, and creditors know it. But honesty matters here: a creditor doesn't have to agree, and mediation binds by agreement, not by court order. If one won't engage, we tell you plainly and map what that means for your plan.

Then that account is urgent — talk to someone today, us or an attorney, and don't ignore the papers. Mediation can still open a conversation with that creditor, but we won't pretend it gives you legal protection against action already underway. The sooner we see the summons, the more options stay open.

Debt review is the formal statutory process under the National Credit Act, run by registered debt counsellors through the courts — powerful protection for the deeply over-indebted, but it flags your record and restricts new credit while it runs. It isn't a service we offer — though removal from it is. Consolidation is simply a new loan replacing old ones. Mediation is direct negotiation — flexible and informal, binding by agreement. Our guide on choosing between the three walks through who each fits.

The assessment is free. If you go ahead, your fee is quoted in writing for your specific case before you commit to anything — and if it isn't on paper, you don't pay it.

Yes. Your employer isn't told, and we don't discuss your file with anyone who isn't part of resolving it. Your creditors obviously know they're dealing with us — that's the point.

It depends on where your file genuinely stands — broadly, whether the debts under the review are settled or nearly settled, and whether your finances have recovered to the point where the review no longer reflects reality. That's exactly what the free eligibility check answers, and we give you the answer straight, either way, before any fees.

Honestly: it depends on the court roll and on your case, and we won't promise a number — nobody controls a court's calendar. What we do promise is that you'll know where your application stands at every stage.

No — and please be wary of anyone who says yes. Removal runs through court, and the decision is the court's. What we control is doing the eligibility check first, telling you plainly whether the route is open, and preparing the application properly if it is.

No — the application is prepared for you and brought through the proper legal channels, and we keep you informed at each stage. Your job is the honest paperwork about where your finances stand; the process is ours to run.

The eligibility check comes first, free. Only once we've confirmed the court route is genuinely open to you do you get a written quote for your case — then you decide, with the numbers in front of you.

That's normal — the situations overlap more than the labels suggest. Send us a WhatsApp in your own words, or take the 60-second check on the home page. The assessment is free and 'neither, actually' is an answer we're happy to give.