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it's horrible and I hate seeing other people going through it and I know people don't talk about it and I know why they don't talk about it people assume that it's because you live way beyond your means but it doesn't take much for it to suddenly become beyond you means but it wasn't when you started I was at a rate contractor earning decent amount of money so didn't really have any worries at all few credit cards and bank loan but nothing that I couldn't manage first worry when work started to dry up was keeping a roof over my head paying the mortgage beating myself from looking after the hook credit cards for me have always been and are a luxury thing they're not something you used to survive day to day but that's what they became I started to you have to make choices don't eat this week do I pay the mortgage or do I pay the electricity I can isolate it to myself stayed in the house and sat in the living room I forgot to open the door denied in the door was terrified of opening mail I tend to advise really from advice from a friend that was when I was at my lowest point and that's when she said to me that I should seek help which is what I did he's almost like it was yesterday I think I don't think yeah if I forget I was anxious and didn't know what to expect yeah it's probably one of the best calls I've ever made in my life you know next the lady that picked up the phone was very good she was very patient she didn't judge in any way whatsoever and reassured me that I wasn't beyond help and there was certainly something that they could do for me after I spoke to the advisor it was decided that the best approach was the debt management plan having the creditors there for me on my behalf it took a huge weight off my shoulders all the phone calls stopped and then eventually the letters stopped coming so that made a huge difference yes one of the great things about being on a debt management plan is that it is flexible I was advised that if my circumstances changed you can just make adjustments and to pay more or less depending on your circumstances which I felt really really useful my advice would be to seek help as soon as you can and I would certainly unnecessary commend step tames yeah quite frankly with without that help I don't know where I'd have ended up I'm I lost everything I genuinely don't know and don't want to think about well I coulda laid without the help it was one of the best cause I ever made and it did change my life for the better
a debt management plan or dmp can help you feel more in control of your finances if you're struggling to repay your debts it allows you to make a single monthly payment towards your debts based on what you can afford and after you've covered your essential living costs so let's take a look at some of the benefits and risks of a dmp a dmp can be a more affordable way for you to manage your debts and at step change we don't charge any fees for managing your plan or for contacting your creditors the whole of your monthly payment goes towards repaying the money you owe and you'll be able to track your progress as you move out of debt when your dmp is up and running you'll make your payments directly to us and then we'll distribute it among your creditors then each year you'll need to review your finances and your plan with us this is important not only to make sure that a dmp is still suitable for you and for your circumstances but to also prevent your plan from being stopped so hopefully that sounds good however there are several risks that you'll need to consider a dmp shows your creditors that you're willing to pay back the money you owe and in many cases they'll stop adding interest and charges to your debts but this isn't a guarantee and they can still continue to apply interest and charges to your debt and take further action including taking you to court it's also worth remembering that because you're making lower payments towards your debts your credit file may be affected and it may take longer to pay your debts back finally it's important to get expert debt advice to make sure it's suitable for you we offer free debt advice online or over the phone we'll help you put together a realistic budget and recommend the most suitable debt solution for you if we think a dmp is your best option after getting that advice we'll give you the advice you need and be here to support you every step of the way
a debt management plan or dmp can help you feel more in control of your finances if you're struggling to repay your debts it allows you to make a single monthly payment towards your debts based on what you can afford and after you've covered your essential living costs so let's take a look at some of the benefits and risks of a dmp a dmp can be a more affordable way for you to manage your debts and at step change we don't charge any fees for managing your plan or for contacting your creditors the whole of your monthly payment goes towards repaying the money you owe and you'll be able to track your progress as you move out of debt when your dmp is up and running you'll make your payments directly to us and then we'll distribute it among your creditors then each year you'll need to review your finances and your plan with us this is important not only to make sure that a dmp is still suitable for you and for your circumstances but to also prevent your plan from being stopped so hopefully that sounds good however there are several risks that you'll need to consider a dmp shows your creditors that you're willing to pay back the money you owe and in many cases they'll stop adding interest and charges to your debts but this isn't a guarantee and they can still continue to apply interest and charges to your debt and take further action including taking you to court it's also worth remembering that because you're making lower payments towards your debts your credit file may be affected and it may take longer to pay your debts back finally it's important to get expert debt advice to make sure it's suitable for you we offer free debt advice online or over the phone we'll help you put together a realistic budget and recommend the most suitable debt solution for you if we think a dmp is your best option after getting that advice we'll give you the advice you need and be here to support you every step of the way
[Gillian Goldblatt | Trustee] Debt Tip #5 If you find yourself using newer credit cards to pay off older credit cards, you'll find yourself in a downward spiral that'll be very difficult to climb out of..
DebtBusters basically get the clients debt-free. 90% of their clients get debt-free within
about 5 years time. Oh really? Yeah. How do you describe your role to your. Andre..! I just wanted to personally say thank you
for everything you've done for me and my family. The Potgieters from Bredasdorp, you saved
our lives. My daughter wanted you to have this. Ag you know you so cute!! I just want to kiss you! Thank you again!.
