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Debt counsellors are very popular and sought-after nowadays due to the growing number of people having difficulties managing and paying their debts. There’s a magical tone in internet articles about debt counselors as if they are the modern Merlins and fairy godmothers who can sail them in a marget carpet towards a debt-free life in a wave of a hand. That maybe a whole deal exaggerated but troubled people plagued with their debts can’t help thinking that way.


The Real Debt Counsellor And Their Job


The National Credit Regulator defines the debt counsellor as the person registered with the NCR who assists consumers experiencing debt-related problems and are having difficulty making their current monthly payment by providing them with budget advice http://www.airmaxshoeswholesalechina.com/ , support and mediation with credit providers.


There are 2 very important things to bear in mind from this definition:


1. A debt counsellor is only QUALIFIED if he or she is registered with the NCR; and


2. They work on the goal which is your debt relief by creating a payment setup that will allow you to pay off your debts in monthly installments given your current financial income, providing you support and negotiating with credit providers.


Debt counselors also give highly indebted consumers basic information necessary to resolve their everyday credit problems so that they do not revert back into debt trap. Debt counsellors can work independently or as part of an organization. The Act imposes that they cannot be part of any credit bureaus, agencies or organizations that provide credit andor debt collection services.


Debt Counselor Fees: How Much Do You Pay A Debt Counsellor?


The National Credit Regulator put forth guidelines and specifications for the standard fees involved as due to a debt counselor. These fees are only applicable for consumers with a gross annual income of R2,500 air max shoes wholesale free shipping , otherwise, the NCR will subsidize the counselor fees only.


As you apply for a debt review or debt counselling, you are required to pay a debt counsellor an application fee of R50. Once the application is accepted as consequence of the initial assessment wherein you were proven to be over-indebted, a restructuring fee of the lesser of the first installment of the debt-rearrangement plan will be paid to the counsellor. This fee should not be more than R3000 excluding VAT. Should a joint application be required kids air max shoes wholesale , the restructuring fee can be increased to up to R4000 (excluding VAT) only.


The counsellor is required to submit the re-arrangement proposal for your debts to your creditors within 60 working days from the date of your application. If he or she fails to submit the proposal to your creditors or to the Magistrate Court (should your creditors reject the proposal), you should be refunded in full for the restructuring fee you have paid.


The debt counsellor is also entitled to a monthly after care fee from you. This fee is 5% of the monthly installment of the debt rearrangement plan and should not exceed R300. This percentage is valid for the first 24 months of the debt rearrangement plan and will then be reduced to 3% on the 25th month and will stay that way until the period ends.


These are the standard rates and fees mandated by law and you might want to pit this against the fees of your prospective counsellor. You have the right to negotiate with your counselor about his or her fees. Don’t forget to get a copy of an agreement setting out fees for your future reference.


A debt counsellor might be all you need to end your worries. Before contacting anybody, gain the most understanding you can about debt counselling process used today.


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