Oyisa United Debt Specialists, is a Debt Counselling East London firm specializing in various debt resolution practices.

To date, there are over 11 million South Africans who have fallen into arrears on their debt repayments. Debt is quickly becoming a widespread problem affecting our country, affecting people with diverse incomes and backgrounds.

Debt does not discriminate (look around you everyone is battling), it causes health concerns (are you tired all the time? Feel run down?) And it affects you psychologically (Depressed? Doubting yourself as a provider? Do you get a sinking feeling when you hear your cell phone ring?), your job (You just don’t have it in you anymore to get out of bed and face the day, let alone your work load?), it can take everything from you…it doesn’t give back.

Debt is a battle, and we at OUDS treat it as such! It’s not a process we all go through, a 5 step program, a phase of life that we all “eventually” grow out of!

It’s a financial ailment that can effectively haunt you the rest of your life if not dealt with correctly & immediately (before it gets worse!) and put to rest once and for all!

Struggling with Debt? Debt Counselling can help!

Debt Counselling, also known as the Debt Review process, is available to consumers as a viable and highly recommended Debt Solution. It is a Legal Process that was introduced by the National Credit Act no: 34 of 2005 and enforced in 2007 by the National Credit Regulator. This was desperately needed in our chaotic economic climate and was introduced to combat credit providers from recklessly lending money out to overly committed individuals, and as a life line to over-indebted consumers.

Debt Counselling is a means for an over-indebted consumer to negotiate more affordable repayment terms on existing credit agreements. This process is a legal one, with us as the Debt Counsellor, performing the negotiations with the Consumer on one side, and the Credit Providers on the other.

Once an acceptable debt repayment plan has been negotiated with the consumers credit providers, we approach the Magistrates’ Court on behalf of the consumer to obtain a debt restructured Court Order. This Order ensures that the newly negotiated installment amounts are legally enforced, and that all parties concerned are properly protected during the repayment period while the consumer is under debt review. This is a well legislated and entrenched process in our Credit Market and provides a vital service to South African consumers.

We pride ourselves on an outstanding level of service which can be justified by our reasonable repayment plans enjoyed by our clients; as well as the high levels of acceptances that we are receiving from consumers and credit providers alike.

Benefits of the Debt Counselling/Debt Review Process

• One seriously reduced installment.
  Combines all your debt repayments into one installment amount – sort of like a debt consolidation loan, but with a boat load of extra benefits.
• No more juggling between payments, robbing Peter to pay Paul.
  One super affordable installment amount and when we say super affordable, think between 30% to 40% and up (though higher reductions are case dependent, as nobody shares the same debt concerns or balances) less than what you would have paid with a normal debt consolidation loan.
• No fixed property? No worries!
  Unlike consolidation loans, where you would need fixed property to qualify, Oyisa’s Debt Review service is for everyone. Renters, owners, you’re all welcome!
• Immediate cash flow relief from the start.
  Your new debt installment amount, and a newly formulated budget that takes care of your family, will kick in from the get-go. So no worries, no stress!
• Protection against angry credit providers.
  Oyisa’s Debt Counselling service is the only way to protect your assets like your home or vehicle when finances get tight and your debt collectors come calling.
• These benefits and perks will make your financial life better while getting you out of debt!
  The biggest benefit will be an emotional one. Emotionally you will become immediately relieved from all of the pressure of being overly indebted.  The minute you are taken under our debt review wing you’ll be in a ‘safer place’ financially.  You will be able to see the future more clearly because your Debt Counsellor will support you to get back on your feet again.

Oyisa is devoted to helping South Africans gain financial stability and solve their debt problems by offering Debt Counselling/Debt Review and a diverse range of Debt Solution services. Oyisa offers a range of debt solutions we’ve called Phalanx©, to meet your needs and help you make positive financial decisions through debt education. We help of our clients find a workable solution to their debt problems, thus providing relief and solace from an already stressful financial situation! Let us carry this burden for you.

We are your sword and shield, we’re with you from the start to the very end, until you can stand tall once again, Debt Free!

When you don’t know where to turn too, and can’t take the pressure any more, that’s when you turn to the people that actually HAVE the experience and ARE specialized in debt solutions.