PBH CONSULTING - LEADING NATIONAL DEBT ADVISORS & COUNSELLORS
Based in Bergvliet, Cape Town our company offers Debt Counselling and Debt Restructuring services to debt-stressed consumers.
Boasting a highly successful track record, PBH Consulting is a leading Debt Restructuring organisation. Our company has a leading reputation of service delivery and honesty within the industry and our CEO Peter Hill a wealth of business experience gained locally and abroad.
Our objective is to free the debt-stressed consumer from the ills of spiralling debt, working towards a debt-free existence. This is achieved through effective counselling on debt matters, adherence to a strict budget and commitment to honouring future debt commitments.
Should a consumer `s monthly living expenses plus debt commitments exceed their net income (take-home pay) they are classified as over-indebted.
The National Credit Act introduced a process engineered to free the debt-stressed consumer from the debt-trap through the appointment of PBH Consulting, a registered and accredited Debt Restructuring company that will place the consumer safely under Debt Review, affording full legal protection.
Whilst under Debt Review creditors should no longer harass consumers, may not take legal action on overdue accounts nor repossess their home or cars ie. The consumer keeps their assets. Creditors may not apply to sequestrate consumer `s estates whilst under Debt Review.Once assessed and if found to be over-indebted our company shall negotiate new payment proposals with creditors and restructure all the consumer `s accounts (including home loans) so the instalment fits the consumer `s budget. We shall apply for a consent order through the court ordering that the consumer pays ONLY what they can afford each month, no more. Should the consumer have a home loan we will apply for a reduction in interest rates whereby interest rates on specific loans are reduced to the same rate applied to the home loan, facilitating large savings in the medium and long term.
The lowered (restructured) monthly instalment will be deducted from the consumer `s bank account via a single debit order and paid over to creditors on the consumer `s behalf via a registered Payment Distribution Agency. Consumers need no longer pay creditors themselves, saving them time and money.PBH Consulting works independently. Full discretion is assured.
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