Debt is unfortunately a constant part of our lives, well at least for most of us. It’s an undeniable fact that at some point, many of us will experience financial difficulty that will cause us stress and likely affect our relationships.

The cause of our personal indebtedness could be a result of many different factors, unfortunate events such as job loss or medical reasons, compulsive shopping, or a series of similar such unfortunate events.

Whatever the reason, it is our moral obligation to exercise responsible debt repayment and return the money that we owe.

Some people exert their best efforts to tackle and overcome their debt on their own accord. It takes hard work, self-discipline and a strong resolve to get out of debt. Yet, in the end it’s all paid off.

There are times however, when our amount of debt is just too much to bear, and financial resources and options seem nowhere to be found.

That’s when Debt Counselling comes as a viable option

Some of those who have found their debt unbearable have made the responsible decision to undergo Debt Counselling, also known as the Debt Review process.

It’s never an easy decision to make, because going through the Debt Counselling process entails recognition and admittance that there is indeed a debt problem, which many individuals find quite embarrassing.

Regardless, the important first step is to recognize that debt is becoming an overwhelming burden. Unfortunately recognition of the problem doesn’t do you any good, unless something is done about it.

Debt settlement tips to consider:

  • Have an honest and serious talk with yourself and tell him or her that as of today, you will be embarking on a journey toward debt freedom. Mark that day on your calendar and imagine the joy you’ll feel when you get there!
  • Ask for advice, encouragement and support from family & friends. Maybe they’ve even been through what you’re experiencing right.
  • Come up with a strategy and put it to work. Many people find the debt snowball method an effective debt repayment strategy.
  • Look at all of your options. Can you do this on your own without filing for bankruptcy? Or do you need the help of a debt specialist to get your through this hard time?

Even when drowning in debt, many people still stress way too much about their credit score. Why? At the back of their minds, they’re thinking about taking out another loan or making a major purchase. It’s pretty obvious that you’re deep in financial straits and going through a vicious cycle of never-ending minimum debt repayments, hence a credit score should be the very least of your concerns. What you should be focused on is getting out of debt!

Otherwise, your creditors are just milking you dry, sucking money from your hard earned income every month. You don’t want this to carry on until you have nothing left to give right?

Debt settlement and other debt relief options are just some of the several ways to pay your debts. Many people adopt for other debt repayment strategies, like debt snowballing, cashing out a savings or investment, selling stuff (car for example), or even asking a family member or close friend for a loan.

But here’s the honest truth, you settling your debt won’t make a lick of sense if you just go back repeating old habits that got you into financial trouble to begin with and have learnt nothing from your mistakes. Especially if you’re over indebtedness was a result of an expensive lifestyle and living above your means while keeping up with the Jones’s.

If you are finding yourself in this situation and unsure as to how to proceed



It will be our pleasure to provide you with a FREE Debt Management Audit (free assessment).

And we do mean absolutely free! No obligation required.

Contact us today to take advantage of your free Debt Management Audit.

Remember above all else that you are not alone out there. Contact OUDS directly for more information on our effective Phalanx services.

Oyisa United Debt Specialists HAS A SOLUTION for YOU!!!