Debt Management Services
Our approach to debt management
Holistic Debt Management
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Our approach to debt management is rooted in holistic financial wellness. We don't just address the numbers; we delve into the underlying causes, fostering a mindset shift toward financial clarity and control.
Reclaim Your Financial Serenity
Debt management is not just about numbers; it's about reclaiming your peace of mind. We believe, every financial challenge is an opportunity for growth, and debt is no exception. Your debt may be a chapter in your story, but it doesn't define your entire narrative.
From the Red Zone to Zen Zone
If the weight of debt has you in the Red Zone, we guide you toward the Zen Zone. Together, we'll craft a personalised debt management strategy that lifts the burden and sets you on a path to financial resilience, control, and independence.
What we offer:
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We provide full debt counselling and debt review services, as per the National Credit Act.
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We perform a comprehensive review of your financial situation to determine over-indebtedness. For over-indebted clients, we make representations to their creditors, consolidate their debt, and negotiate to reduce their debt repayments, while protecting critical assets such as the primary home and primary vehicle.
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We create a budget plan for clients, provide them with tools to manage their debt, and then follow up with them monthly to help them stick to the plan and achieve success.
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Debt review is a good solution for clients struggling with debt, as once they complete the plan they have a clean credit record and can participate in the credit market once again.
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We also advise on debt management even if debt review is not deemed necessary, as in our experience many do not treat debt appropriately.
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Ready to transform your relationship with debt? Call us at 087 183 5012 or email us on info@zenmunni.co.za and let's embark on a journey where debt is not an obstacle but a stepping stone towards financial liberation.