The formal process to protect your assets from creditors that have a debt claim against you. The National Credit Act prescribes how you as a consumer can seek relief in the case of over-indebtedness. By utilising our services you would be accessing that particular right as a consumer in distress. It is the responsibility of all Credit Providers who adhere to Section 86 (5)(a) of the act to act in good faith in the Debt Review Process. All negotiations should be designed to result in a responsible debt re-arrangement plan for their client.

Debt review is the process whereby a debt counsellor assists a client with his outstanding debt and implements an affordable structured debt repayment plan. Once you have applied for debt review and you stick to the new rearranged payment and the debt review flag get finally removed from your credit profile, you’ll be eligible to take out credit.

Legal term is an Emolument attachment order. The client is being Garnisheed a set amount as directed by court order directly from their pay. Our research has found 99% of these are obtained by irregular means. We provide a service to remove these deductions as well as recouping monies paid.

Clients have been known to be under administration for more than 10 years. We consider this a lifetime debt trap and can remove it through a straight forward court process.

What is an Income Protector?
Assistant Income Protector Policy differs from lump-sum policies in
that it pays you a set amount on a monthly basis, which you can use to cover
your cost of living and day-to-day expenses. … It ensures that you can take
care of your Financial Commitments.
Assistant Income Protector acts as a safety net during times like these, when
you may not be able to work for a period of time. due to illness, disability, or the inability to earn an income due to unemployment.

• How it Works
An Income Protector benefit ensures a steady, tax-free monthly income to
meet your financial obligations if you lose part or all of your income due to
being temporarily or permanently unable to work. If you own a business, an
Income Protector benefit can enable you to employ someone to run the
business in your absence.
– Pays out a Monthly Income Directly to the Client.
– Support your Lifestyle and your Families Financial Security.
– Provides peace of mind that your Financial Expenses will be taken care of.

• Policy Rules
– The cover is provided on a Monthly Basis. No reserves are built up and therefore,
No surrender.
– This is a Voluntary Group Scheme.
– A General Waiting Period of 3 Calendar Month and, if a potential member is pregnant, 6 months from the Date of Birth of the Child.
– The minimum entry age is 18 Years and Older and the Maximum Entry age for The main Member is 65 Years Old.
– Maximum Cover per Policy under this Scheme: R90 000.00
– Membership can only Commence on the 1st day of the Month.

• Premiums
R5 000 for 6 months, max R30 000.00 @R60.00 P/M
R10 000 for 6 months, max R60 000.00 @R90.00 P/M
R15 000 for 6 months, max R90 000.00 @ R120.00 P/M

According to a Report
There are in excess 3 Trillion Rands worth of unclaimed Provident Fund Fee Payouts
• What is a Provident fund?
A Provident Fund is a retirement fund run by the government. They are generally compulsory, often through taxes, and are funded by both employer and employee contributions. Governments set the rules regarding withdrawals, including minimum age and withdrawal amount.
• How do we help?
We find out how much of the Provident Fund you have access to and help you claim and take a small percentage as payment and thereafter you can enjoy your retirement.

Doctor Network Benefits

• 2000 Independent doctor practices nationwide.

• 20% off Consultations.

• Should you wish to visit the doctor, not on the nationwide panel the doctor could be added.

Pharmacy Benefits

• 1200 Independent Pharmacies nationwide.

• 20% off blood pressure, glucose, and cholesterol tests.

• One free test (of the above), once per annum.

• Special offers changing every 3 months, e.g. Buy 1 get 1 free.

• 20% Discounts on Clinic consultations in-pharmacy or at PCDT Clinics.

Trauma Counseling

• Confidential and Professional telephonic counseling Service.

• Domestic Violence

• School Bullying

• Teen Suicide

• Pregnancy

• Moto Accident

• Hijacking

• Burglary

• Loss of Loved one

• Disability

• Victimisation

• Rape/Assult

• Family Chronic or Life-Threatening Medical Condition etc.

• Telephonic Debriefing and counseling for a person.

• Face-to-Face Counselling is conducted by qualified counselors and will determine the need for additional face-to-face counseling.

Emergency Medical

• Emergency Medical Transportation

• Nearest and most appropriate medical facility for emergency stabilization.

• Transfer of life-saving oxygen and emergency blood in the event of a life-threatening medical situation.

Telephonic counseling in the event of crises, trauma accident or rape case, suicide, pregnancy, and domestic violence.

• Emergency and non-emergency Medical Advice, guidance, and information.

• Escorted return of Minors and Compassionate visits via public and private transport.

• Repatriation of the patient’s home provided initial transportation was facilitated by the helpline.

Panic Assist

• The panic assist activated via dedicated UUSD or the panic button on the cell phone application.

• A call back is made immediately, provided that the client’s cell phone is active on the database.

• Should location services not be activated on the client’s phone, the coordinates will not be recorded in the panic trigger.

• Panic Alert – sent to contacts listed on the client’s app.

• The panic service operates across all SA.

• Provides accurate location information.

Medical Database

• The Database ensures that the most relevant information is given to the emergency personnel.

• The database stores client’s medical information in high security encrypted medical database.

• Any Highlighted information will be alerted.