Are you struggling to pay your installment? Are you being hounded by creditors?

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1 Are you struggling to pay your installment? Are you being hounded by creditors?

2 Pay less each month and reduce your debts We understand how easy it is for debts to mount up,and how stressful it can be when your money problems begin to spiral out of control. But don t worry, we can: help you gain control of your finances Offer you legal protection against companies you owe money to. Reduce all of your monthly debt repayments into a single lower monthly amount. We re experts i n debt counselling Impilo Debt Solutions is the market leading provider of free, impartial debt counselling and advice. With over 20 years experience in the debt counselling and finance sectors you can be confident that we can help you deal with debt once and for all. Page 1 We offer a range of debt service,and will identify the best way to help you to get out of debt. We ve already helped thousand to consolidate their debt into one single, affordable monthly payment and can do the same for you. And we ve shown many more how to achieve a future free from debt. Working to the highest standards We don t just offer counselling, but can provide you with practical help and service as well. We offer everything from free consultations to informal debt planning and formal debt reviews. All of our debt counsellor are fully qualified and provide a personal, non-judgmental advice. We comply fully with National Credit Regulator,which means the advice you receive is of the highest quality. We have dedicated client service and legal teams to help if needed. And we can make your money go further with our free, no-obligation personal finance mangement scheme. What s more, you don t have to be a property owner-our solutions cover every situation.

3 1Your -by- guide 2 You ve already taken the We will start negotiations first by contacting with your creditor to protect us.don t delay - return you from legal action and the documents we require secure your assets inluding and you will be one your property and belongings closer to repaying your 3 debts at a rate you can afford We ll send all the relevant You make one monthly documents to your credit REDUCED payment via an providers, the NCR accredited Payment and the credit bureaus to Distribution Agency which make the arrangement is used to distribute to the within 60 working days of companies you owe your initial application. money to. We ll continue to work with Once your debt is cleared, you to help you clear your we ll get certification and debts within 5 days your credit record will be clear The sooner you return the information, the sooner your debt will be out of your life Page 2

4 Page 3 Thank you. as always it s much appreciated. i m now able to relax and feel comfortable in my choice with Impilo Debt Solutions. Thanks for all the assistance and support

5 We ve helped thousands to consolidate their debts into a single, AFFORDABLE monthly payment. Some real life examples of people we ve helped: Anele Sithole Was Paying R 2,500 R 1,700 R 800 Ellina Fegurson Was Paying R 12,500 R 5,500 R 7,000 Mark Gaven Was Paying R 4,200 R 2,000 R 2,200 Elizabeth Mokoena Was Paying R 3,625 R 2,100 R 1,525 To protect our clients confidentiality actors photographys have been used and their names changed Page 4

6 Frequently asked question Why us a debt counsellor? Debt counsellors were introduced by the National Credit Regulator (NCR) to help those struggling with debt. We negotiate with creditors on your behalf so you can repay debts at a rate you can afford. How do i know this is right for me? If you are struggling to meet your monthly payments or don t have any cash at the end of the month, then a debt review could be the best option for reducing your monthly debt repayments. Is this a loan? No, this is a solution that allows you to repay your creditors an amount that you can afford without taking out any further credit. Will you deal with all of my debts? We deal with all of your debts(bond, car finance, credit card, store cards,personal loans etc), whilst ensuring you are able to meet your essential living expenses. Do my creditors have to accept the debt plan? your credit providers have the right to reject the plan and if this happens a magistrates order may be sought. However, our experience shows that creditors are likely to accept a reasonable offer that show you are committed to getting out of debt. How much will i have to pay each month? This is based on what you can realistically afford after taking into account your day to day living costs Do i have to attend an interview? No, we will organize most things by post and telephone Can i apply if i already have judgements? Yes, just let us know your complete situation so we can help in the best possible way. Will my details be sent to the Credit Bureaus and my creditors? Upon completion of your application Credit Bureaus and Creditors will be notified of the outcome. Will i receive a default notice? By lowering your monthly payments to your creditors, you will be in default of the original agreement and as a result may be issued a default notice. Creditors send out Default Notices to protect their legal position. Don t worry - just let us know. Can i apply for credit or use my credit cards whilst on a plan? No, you cannot obtain further credit whilst on the plan. Page 5

7 Licensed under the National Credit Regulator Office: (031) Fax: info@impilodebtsolutions.co.za Website: Postal Address : P.O. Box 165, Mount Edgecombe, 4300