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HORIZON INTEGRITY

DEBT REVIEW REMOVAL

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>>Are you currently under debt review? Are you looking to have your debt review status removed from the credit bureaus because it is preventing you from obtaining credit? Horizon integrity can assist you with this process. Our experienced Team have the knowledge and expertise to provide you with the right solution for your unique situation.

>>The process of removing your status from the credit bureaus involves bringing an application in your local court and obtaining a Court Order issued by the Magistrate. This Court Order is then used to remove your status from the credit bureaus and the National Credit Regulator. To determine if you are eligible for this process, we ask that you answer two questions:

  • are you currently under debt review;
  • and can you afford your original monthly repayments?

>>If the answer to both of these questions is yes, then you might qualify, but please take a 1-minute quiz to allow us to double-check that you qualify for Debt Review and Judgement Removal.

>>Our professional fee for this service is an payment plan allowing the total fee to be settled in six months equal monthly instalments.

 >>We understand that the process of removing your status from the credit bureaus can be daunting and complicated, which is why we are here to assist you every step of the way. We will ensure that the application process is handled professionally and efficiently, providing you with the best possible outcome.

We look forward to assisting you in resolving your debt review status and helping you move forward with your financial goals. Please do not hesitate to contact us if you have any questions or would like to proceed with the process.


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About horizon integrity

Our team of Debt Counsellors are registered with the National Credit Regulator and offer you a no obligation free assessment of your financial situation.We negotiate directly with your credit providers to reduce your monthly finance repayments until you can resume normal payments or have repaid your finances.We have excellent relationships with all the major credit providers in South Africa ensuring we can negotiate the best payment plan to suit your financial requirements and ensure we protect your assets including your house and car.Our dedicated professional consultants are available from Monday to Saturday to assist you with any queries and we have a reputation for providing exceptional service.Contact us today to see how we can assist you.
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horizon integrity Services

Debt Review Removal

  • Every consumer has the right to economic freedom and to have his or her name and record cleared where it has been adversely effected by a Debt Review Order,
  • If Your Financial Circumstances have Improved then the Debt Review Process can be Terminated.
  • Rescind the Debt Review Order.
  • Remove Debt Review Flag on Your Credit Record.
  • Start the Debt Review Removal Process Today

removal of administration order

  • It is an order made by a Magistrate's Court setting out different amounts that a person ("debtor") must pay towards his/her outstanding debt with one or more persons ("creditor/s").
  • Once a client has been removed from being under administration, they are placed under a debt-mediation process to pay the balance of the debt owed.
  • An example of a repayment plan is where the debtor pays his/her outstanding debt in affordable monthly instalments to each creditor.
  • If a court order has been made, the debtor's estate will be placed under administration ("administration order"). This means that an Administrator is appointed who will ensure that the debtor pays the amounts due in terms of a judgment or other financial obligations.
  • If the debtor is married in community of property, the joint estate will be placed under administration. This means that both the debtor and his/her spouse will be affected by the administration order.

Prescription of Debt

  • The first thing you must check is how long the account has been outstanding. You are not legally obliged to pay an account that has become “prescribed”. An account has become prescribed if:
  • The Credit Provider has not issued or served a summons on you.
  • You have not given any acknowledgement of debt for the account in the last 3 years.
  • You have not offered any payment for the account in the last 3 years.
  • One extra point here is that if the debt was for a house (home loan), the prescription period for that is 30 years.
  • If all three of the above are true, then basically the debt has “expired”… or it is past its “sell-by” date. Should you believe that an account has been prescribed, challenge this by logging a dispute with the relevant credit bureau.
  • Ensure that you are provided with a dispute reference number and allow the bureau to investigate your dispute within 20 working days. Should the credit bureau not respond to you after the 20 working days or should you not be happy with their findings, you may then contact the Credit Ombud for further assistance.

Debt Review Services

  • A formal debt restructuring process aimed at assisting consumers that are over-indebted or will be.
  • Applicant and his/her Spouse (if married in c.o.p.) will be flagged/ blacklisted by credit bureaus once the Debt Review process starts.
  • Reflects on credit bureaux until removed
  • All accounts must form part of the Debt Review process.
  • There is no limit on the Debt amount.
  • One monthly amount is paid into Payment Distribution Agency for distribution
  • Court order protection against Assets (House/Bond, Car and Furniture).
  • Legal Fee equals to the instalment provided

we remove Arrears, Defaults & Judgements

  • Do you have any accounts that are in arrears (overdue), have you defaulted or, worse still, do you have financial judgements against you? If so, those statuses will ruin your credit score for years and make it impossible to be granted vehicle finance. Horizon integrity offers this guide that explains how to find out which accounts are in arrears – and how to fix problems with them.

ITC Clearance

  • ITC clearance is a critical step towards improving one’s credit score. By clearing your credit record, you remove any negative information that may be affecting your credit score such as missed payments or defaults on loans or credit cards.
  • We provide personalized solutions tailored to your unique needs and will handle your case with care and diligence. Contact Horizon integrity for a confidential consultation and let us navigate you through the process with professionalism and compassion.

Be Part ofhorizonintegrity.co.za

An Accredited Debt Review Company

registered with the National Credit Regulator (“NCR”). For further information please contact us.

horizonintegrity.co.za Team

HORIZON team

Sales Adviser

Sam Davis

Senior Advisor

 

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horizonintegrity.co.za


  • With our vast experience, industry knowledge and the latest technology we can accurately find the most affordable solution for you. The time it will take to repay your debt is flexible and in your control.

     

  • .To ensure you are always comfortable, you will have a dedicated team to speak to regarding any queries you may have. Our friendly and experienced staff are here to listen and help you whenever you need them.
  • We offer financial assessments and expert advice to manage your debt. You will get a credit report, financial health report and professional advice, all completely free.
  • We pride ourselves in being open and honest in everything we do. Transparency, honesty & respect is in our DNA.