No one likes being probed upon, especially when it comes to money. Our own financial situation is our own thing…a very private and personal matter that it’s a taboo to ask another person casually about money. You can’t just ask someone how much he or she earns. Even as a pretext of concern, you can’t just ask your friend how much total debt he or she has.

At the same time, it is also not that easy to open up to anyone about money especially when it’s about debt problems. At Oyisa United Debt Specialists, we tell clients that we treat personal information and anything else they tell us, with the utmost confidentiality.

In terms of the National Credit Act No: 34 of 2005, Section 156(1)(a) & (b), by law we are not allowed to disclose any of your information to any third party; and we do hereby undertake to honor the Act in this regard.

Though some clients are still hesitant to ask questions that they fear are too embarrassing to query about. The thing is that questions lead us to answers that will help us fully understand your financial situation.

What do these debt settlement questions sound like?

Let’s hear some of them:

Can you help me with this amount of debt?

How much is the debt to be exact? Five thousand? Twenty? Or a six-figure debt? Some of us are hesitant to ask if their debt could qualify. Maybe to some it’s an embarrassing thing.

To start with no debt is too big; we have a history of dealing with large six figure client portfolios!

You need to understand that you are talking to professional debt specialists who are committed to client confidentiality. We treat any and all information provided by clients with respect and professionalism. Likewise, as experienced debt specialists, we have numerous clients already and mentioning the amount of debt that you have is a normal everyday thing to us. Our goal is to help you, not to embarrass you!

Never will you hear an OUDS specialist exclaim: “What?!!!” “Oh my God, that’s the worst amount of debt I’ve ever heard of!!!”

In order to fully understand and assess your situation, clients need to tell us how much they owe. In that way, we will know which type of debt solution program would best suit your unique situation. There’s nothing to be embarrassed about.

Will I qualify even if I only have this amount of income?

Some people have no trouble filling out forms that ask how much their income is but when it’s a live telephone conversation, some hesitate while others won’t tell the truth. Good thing most people do tell the truth.

In any case, such questions lead us to your income, which helps us assess your full financial situation and which type of debt solution program you qualify for. By telling us how much you really earn, we can give you an honest assessment and a debt settlement program that is a proper fit not just for your needs, but as well as your financial capacity.

I am blacklisted. Can I be helped?

Yes, you can apply with Oyisa United Debt Specialists even if you are blacklisted or simply have a bad credit record. We have helped thousands of South Africans with similar debt problems to become debt free and are experts in the field debt restructuring.

Can I be helped if I already have legal Judgments against me?

Clients can still contact Oyisa United Debt Specialists if they already have judgments against them.

However, Oyisa United Debt Specialists insists that clients inform us of their legal situation and do not fail to disclose any information, as omitting to provide certain information can have serious repercussions with the credit providers.

We’re here to help so be open and honest with us so that we can assist you in getting these types of legal matters resolved.

Will I have to sell all my assets?

This is unlikely. It might be wise to sell some assets that you do not need but this will be discussed with you and where needed you can consult with an FAIS advisor. OUDS processes help consumers keep assets like their home and car. This is commonly referred to as “good debt”.

Does it make a difference if I own a home or not?

No, we will be able to advise you either way. Assets are never an issue at Oyisa United Debt Specialists.

Will my employer find out?

No, absolutely NOT. We will never contact your employer to obtain any information or to inform or confirm anything. Your situation and information is treated as completely confidential through the entire process. In terms of the National Credit Act No: 34 of 2005, Section 156(1)(a) & (b), by law we are not allowed to disclose any of your information to any third party; and we do hereby undertake to honour the Act in this regard.

Such has nothing to do with an employer unless you are contractually bound to do so; and then the onus will be upon you to inform your employer of your new status. Such will NEVER be disclosed by OUDS.

If you, as the client, wish to divulge such information to anybody for whatever reason; it is purely your decision to do so, not ours.

Therefore OUDS is willing to assist consumers in this predicament with a free service of a financial assessment, assist the consumer to organise an affordable, realistic and structured monthly budget and debt management plan thereby providing consumers with a guideline for eliminating and remaining out of debt.

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!!!