Employee debt impacts employers negatively

Over-indebted employees, desperate for a way to make ends meet are often subject to reckless agreements by unscrupulous lenders, or tempted by theft or bribery. Furthermore when things become really tight and wage increase demands become viral, labour unrest often results, affecting productivity and the bottom line of the company.

For further information or a presentation email: scott@ouds.co.za

Here are some signs that your employees may be suffering from too much debt:

  • Increased garnishee orders on employee salaries (plus increased payroll admin);
  • Increase in company loans;
  • Loan sharks harassing employees at their work place due to illegal lending;
  • Demands for higher salary increases;
  • Stress, illness and absenteeism;
  • Broken relationships in the workplace;
  • Late coming, lack of motivation and lower productivity;
  • In extreme cases – theft;
  • Increased attrition as employees search for higher paying jobs;
  • Increased resignations and early retirement as employees attempt to get cash from provident funds and retirement plans. 

Debt Counselling is the BEST solution for over-indebted employees 

Over-indebted employees require urgent help and intervention with their credit providers to avoid legal action and to save their assets from repossession. 

Benefits of debt counselling:

For employees:

  • Immediate increasedcash flow for living expenses
  • No more credit providerharassment at work
  • Improved well-being and reduced stressillness and absenteeism
  • Happier relationships at home and in the workplace 

For employers:

  • Improvedtime-keeping, increased productivity and motivation
  • Fewerloan requests or pay advances
  • Decrease intheft, attrition and resignations
  • Fewer demands forexcessive pay increases

Furthermore when individuals start getting on top of their debt they start to see the benefits of budgeting and start planning for future financial health. 

For further information or a presentation email: scott@ouds.co.za 

Oyisa United Debt Specialists HAS A SOLUTION for YOUR employees!


  • Often employees are too embarrassed to admit they are struggling with debt
  • They may not be aware of debt counselling as a solution for their debt
  • OUDS offers co-branded Employee education through your existing employee communication channels
  • OUDS provides employees with a direct and anonymous channel to obtain a free credit report and debt assessment without them having to take time off work.

Oyisa United Debt Specialists Phalanx© offers a comprehensive range of debt liberation services, in order to ensure that clients with varied debt and financial issues are provided with the most suitable debt help, tailored to their specific debt concerns.

The biggest benefit of employees joining our Phalanx© will be an emotional one.  Emotionally your employees will become relieved from all of the pressure of being overly in debt.  The minute they are taken into Oyisa’s Phalanx© they will be in a “safer place” financially.  They will be able to see the future more clearly because their personal Relationship Manager will support them back to back to get them back onto their feet again.

There are many benefits to our Phalanx© which will allow your employees to experience a better quality of life for example:

  • OUDS offers free, unbiased and expert advice on how to reduce debt;
  • Decrease Level of Indebtedness;
  • Increase Positive Cash Flow Position;
  • Get consumers responsibly and financially active in as short of time possible;
  • Keep clients in their homes and save them money;
  • Provide for your family’s vital living expenses;
  • No more financial stress!
  • Free debt assessment;
  • Personal Relationship Manager guiding you through the process;
  • Nationwide Assistance;
  • Unique debt repayment plansand budgets are tailored to the individual financial particulars of the client;
  • debt plan that will enable clients to stay on top of their finances;
  • Negotiating better interest rates with your creditors;
  • enables clients to make monthly debt repayments;
  • No more financial stress!
  • Personal Relationship Manager guiding you through any of the provided debt relief services;
  • Maps out the path for reducing bad debt and becoming debt free;
  • OUDS will educate clients about their financial rights and how to work better with their finances;
  • Assists to prevents clients from declaring bankruptcy;
  • You have the opportunity to repair your credit profile;
  • Decreases the chances summonses and judgments against clients;
  • Helps consumers to keep control of their money and make well informed decisions about monthly debt payments;
  • Supplies clients with structured and helpful debt management tools needed to gain financial independence.