Debt Management - Lifeline Debt Solutions - debt help, debt couselling, debt management
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Debt Management - Lifeline Debt Solutions - debt help, debt couselling, debt management    DEBT SOLUTION
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Frequently Asked Questions 


1. Why use a debt counsellor?
Debt Counsellors were formally introduced by the National Credit Regulator (NCR) to help consumers who are having trouble with their debts. We are here to negotiate with your credit providers on your behalf to get you a manageable debt plan that you can afford.
2. How do I know this is right for me?
If you are struggling to make your monthly payments or donít have any cash left at the end of the month, then a debt review could be your best option for reducing your debt payments. Your debts are repaid in a controlled manner at a rate you can afford.
3. Is this a Loan
No we do not lend you money. This is a payment plan allowing you to repay your debts back at a rate you can afford also know as debt management.
4. Will my details be sent to the Credit Bureaus and my Creditors?
Yes. Upon completion of your application, all credit bureaus and Creditors will be advised providers will be advised that you have applied for a debt review. We will then update the credit bureaus depending on the outcome of the debt review.
5. Will I receive a default notice?
By lowering your monthly payments to your Creditors, you will be in default of your original agreements with your Creditors and as a result may be issued a default notice. Creditors send out Default Notices in order to protect their legal position.
6. Can I apply if I already have judgements?
Yes. Please ensure we know your complete situation so we can help you.
7. Can you cover all my debts?
We deal with all your debts (bond, car finance, credit card, store cards, personal loans, etc.), whilst making provisions for you to maintain your household bills etc.
8. Do I have to be a homeowner to apply?
No. Anyone can contact us.
9. Can I apply for credit or still use my credit cards etc., whilst on a debt plan?
No. Your cards should be destroyed and returned to the credit providers.
10. Do my Creditors have to accept the debt plan?
No. Your credit providers have the right to reject the debt plan and if this happens a magistrates order will need to be obtained. Experience has shown that Creditors are likely to accept a reasonable offer that shows you are committed to get out of debt.
11. Can the Creditors change their mind once this has been agreed?
No. As long as you maintain your agreed payment, they are not able to take further action.
12. How much will I have to pay each month?
The monthly payments are based around what you can realistically afford, having taken into account all of your day to day living costs.
13. Do I have to attend an interview?
No. We organize most things by post/telephone.
14. Will I have to change my Bank Account?
If you currently have any debt with your existing bank, we strongly advise you to open a new account, with a bank where you have no debts. This protects your income and gives you full control of your finances with the assistance of LDS.
Debt Management - Lifeline Debt Solutions - debt help, debt couselling, debt management           Debt Management - Lifeline Debt Solutions - debt help, debt couselling, debt management    National Credit Regular
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