- Formal restructuring of debt through a court order.
- Protection against assets (house/bond, car, and furniture).
- No upfront fees.
- All accounts are protected under a debt review court order.
- No more disturbing phone calls.
- Interests are renegotiated.

- Informal debt restructuring.
- Allows clients to maintain more household income.
- No summons or judgments may be issued.
- Clients are not placed under administration.
- No more harassment and threatening calls.
- Clients remain credit-worthy.
- Single monthly installment.
- Enhanced affordability.
- Legal charges pegged at R250.00 - R500.00.


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