DEBT CONSOLIDATION EXPERTS
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When you're rolling the dough, and money is not an issue, why should you care? Well, the problem is, when interest rates rise, cost of living increases and petrol increases at a rate of knots, we need someone to assist us with consolidating our debt.
WELCOME TO HOME OF THE DEBT DOCTORS
CLICK HERE TO APPLY FOR DEBT CONSOLIDATION
How the Debt Doctors Work:
The Debt Doctors offer Free Debt Advice to anyone
The Debt Doctors offer a 12 month Debt Consolidation Plan (Upfront Service Fee)
The Debt Doctors will give you finance IF and only IF this will assist you in getting out of DEBT!
Don't contact us if you're just looking for a personal loan, we're debt consolidation experts and only want to assist people in need!
Need Debt Counselling or a Debt Counsellor?
Debt Consolidation does not mean running out to the first personal loans company that you see and asking them for R100 000 to pay off your debt.
We know all about it! That's why we're here. Every person who works here at the The Debt Doctor has had their fair share of debt problems at some point in their lives.
Debt Consolidation and using your home equity and home loan as a form of consolidating your debt is an option that will most likely alleviate or help in relieving certain aspects of your debt.
GOOD REFERENCES: Bad credit home loans, a thing of the past!
What always amazes me though is how people are so willing to spend money to get themselves out of debt. Why is it that most people, who are already in financial debt, never look at the free and easy ways to remove yourself from debt and the simple steps in saving money. To me, saving money, not shopping at Woolworths, or buying single ply toilet paper vs. the scented double ply that everyone's so mad about is a smart way to save money. SO, here is a list of ways to save money!
DEBT DOCTORS TIPS ON SAVING MONEY
Now this may sound scary and you may be thinking,
"What in the name of DEBT am I doing here"
but believe you me, it's why we're so good at what we do and it's why The Debt Doctor should be your number one location for Debt Consolidation and Debt Management. Here at the Debt Doctor we believe in one thing and one thing only,
A DEBT FREE SOUTH AFRICA FOR ALL.
BEFORE YOU CONTACT OUR DEBT CONSOLIDATION EXPERT PLEASE:
STEP1: Check Your Credit Records
STEP 2: Contact The Debt Doctor & Send Him A Copy Of Your Credit Profile
Debt Consolidation Home Equity Loans
Consolidating your debt in a single loan can save on interest payments and speed the process of paying off bad debts. If you have a home loan on your property it is probably your single biggest debt. Most people, however, have more than one debt. It's the small little debts that South Africans need to learn to pay off and pay off quickly before they can learn to get themselves out of financial dwang. You may have high interest credit cards, personal loans or other debts.
To pay off one debt you may need to borrow from someone else, creating yet another debt. Loan sharks are a problem especially with the high interest rates they charge. If you are managing your debt successfully you would probably not be reading this page. If not, the solution to this problem could be a debt consolidation home equity loan.
Apply for South Africa Debt Consolidation today . The Debt Doctor is the solution to inconveniently timed expenses.
Contrary to widely held belief, not all debt is bad. In fact, most South Africans have some form of debt and very few of us could live without a mortgage loan or vehicle finance. Of course there are plenty of types of debt out there, from credit cards and hire purchase agreements to personal loans and clothing accounts.
The thing is, it's not usually debt itself that is the problem. It's when we allow our debt to get out of hand that it becomes an issue. If you are currently overwhelmed by debt, one possible solution is debt consolidation - or using cheap debt to pay off your expensive debt.
For most people, a home loan has the lowest interest rate out of all their debts, which means it makes sense to use your FlexiReserve or access bond account to access any extra money available in your home loan account and use it to settle your other, more expensive debts. If there isn't enough money available in your home loan account, but your property has increased in value since you bought it, you could also apply for a further advance. This is essentially a second bond on your home that makes money available to use in consolidating your debts.
The best way to make this consolidation approach work for you is then to use the money you save every month to repay your bond quicker. Even R100 extra into your home loan account every month can really shorten the length of time it takes to repay your bond.
A word of warning though: Remember that utilizing your access bond or FlexiReserve will result in an increase in your monthly bond repayments and higher total interest costs on your bond.
CLICK HERE TO CONTACT THE DEBT DOCTOR