What should you do once you receive a judgement?

Unfortunately, it is not possible to apply for debt counselling once a judgement has already been granted and the creditor has proceeded with legal steps. It is therefore crucial for consumers who are over-indebted, to seek help sooner rather than later.

Debt counsellors can help negotiate with the creditors to lower the monthly installment, lower the interest rates, and extend the payment periods. The payment plan that a debt counsellor prepares for consumers, becomes a court order, and thus consumers are then protected from creditors under the National Credit Act.

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