In terms of the National Credit Act and its Regulations a consumer may be removed from debt review based on two instances. The first instance is once the consumer has paid off his/her credit obligations by way of a clearance certificate from the debt counsellor. The second instance is by way of a court order wherein the consumer has become financially viable to pay off his/her debts by themselves.
Trust NRJ Consulting's team of experts to us assist you!
A prescribed account reflecting on your credit report lowers your credit rating, as the account is likely to be reflecting arrears and indicating that you are a slow payer, whereas the account should not even be reflecting on your records anymore.
NRJ Consulting will take on this task to ensure that consumer’s can have prescribed debt removed from their records as quickly as possible.
If you are over-indebted and falling behind with your debt repayments, debt consolidation can protect your assets by arranging a structured, affordable repayment plan for your outstanding debt.
NRJ Consulting will assist you consolidate all your debt into one monthly payment and reduce your interest rates based on your circumstances.
Reckless lending occurs when a creditor fails to perform a thorough credit assessment as mandated by the National Credit Act (NCA) and still extends credit to the consumer.
NRJ Consulting's team of experts specializes in handling cases of reckless lending. Let us assist you!
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