About UsAbout UsWe provide FREE advice regarding debt counselling and Debt ConsolidationKim Armfield is our in-house attorney and Julie Duminy is our headCounsellor. Kim started her career in 1989 in an attorneys debt collectiondepartment and Julie was a pioneer in employment projects with the LandBank for many years.Libertine Consultancy is a highly professional and effective companyregarding not only all types of personal debt but has expertise concerningthe affairs of the entire estate of the consumer. We are registered with theNational Credit Regulator under registration number NCRDC592Website:- http://www.libertineconsultants.co.za/ Email:- firstname.lastname@example.org
Our ServicesOur ServicesLibertine Consultants is a one-stop-debt-shop in the Western Cape and canprovide the following beneficial services to our clients:-Debt ConsolidationDebt ConsolidationDebt Management TeamDebt Management TeamDebt CounsellingDebt CounsellingVoluntary DistributionVoluntary DistributionSequestrationsSequestrationsWebsite:- http://www.libertineconsultants.co.za/ Email:- email@example.com
Credit ClearanceCredit ClearanceThis is the clearing of court Judgments in order to rehabilitate your creditrecord or having adverse listings lifted from your account. A judgment is acourt order that is granted (in your absence) after summons has beenserved on you and where you have not defended the action or madesuitable arrangements. As it is a court order that has been granted by acourt, it has to be set aside by the same court in order for it to be removedfrom the record of the credit bureau.The first step to a credit clearance is to do this report to see what must bedone to clear your record. Sometimes all that must be done to improveyour credit rating is to ensure that payments are made each month ontime.Website:- http://www.libertineconsultants.co.za/ Email:- firstname.lastname@example.org
Debt Management TeamDebt Management TeamJulie Duminy is the head consultant and has invaluable experience incounselling, budgeting, seminars and all matters pertaining to debt.Catherine De Boucherville is Julie’s assistant and often seems to have eightcapable hands and four mouthpieces. Kim Armfield is our in-house attorneywho jumps in when matters get legal, and Quintina Williams is her fiesty legalassistant who has an answer to just about everything.The key players in our debt management team all work together to ensurethat you, the consumer, can be stress free from your current debt and to alsoensure that your current and future estate is taken care of.Website:- http://www.libertineconsultants.co.za/ Email:- email@example.com
Benefits of debt consolidationBenefits of debt consolidationReplace multiple debt repayments with a single monthly paymentCut your monthly costsKnow exactly when your debts will be repaid (certain debt solutions only)Stop juggling multiple debts - and multiple lendersWrite off the debt you cant afford (certain debt solutions only)Website:- http://www.libertineconsultants.co.za/ Email:- firstname.lastname@example.org
Website:- http://www.libertineconsultants.co.za/ Email:- email@example.comBusiness Rescue & TurnaroundBusiness Rescue & TurnaroundBusiness rescue was introduced by Chapter 6 of the Companies Act, 71 of2008, as an alternative to judicial management and liquidation of a company.It is a measure that should be adopted before the close corporation orcompany is factually insolvent, as any proposed business plan must inpractice envisage the rescue and turnaround of the business.As it can be a costly exercise to rescue a business, it is more ideally suitedfor a company as opposed to a close corporation. It is furthermore ourexperience that in many cases, the owner of a business simply needs anobjective viewpoint on how to re-assess the current business practices,expenses and employment contracts.
Website:- http://www.libertineconsultants.co.za/ Email:- firstname.lastname@example.orgDebt Review (Debt Counselling)Debt Review (Debt Counselling)Debt counselling [debt review] is a form of debt consolidation in that onepayment is made for all creditors, but it is not a loan. It is a process thathas been created by the National Credit Act of 1995 and the process entailsthe following:-A Consumer who is struggling to maintain all his monthly payments willapply to a Debt Counsellor on a prescribed form [called a Form 16];Once the Consumer applies for debt review, the Debt Counsellor mustinform all the Creditors of this by means of a form called a Form 17.1, andthe notifies the National Credit Regulator ["N.C.R."] of the application.
Website:- http://www.libertineconsultants.co.za/ Email:- email@example.comAdministration of EstatesAdministration of EstatesAdministration of Estates is an alternative to debt review in that it is also aformal process, but it offers far better protection against creditors claims. Anadministration does not include the claims of secured creditors, i.e. a houseand car, and provision for these expenses forms part of your monthly budget.A main difference between debt review and administration is thatadministration is limited in the amount of debt that can go underadministration. Excluding your house and car payments, your total debtcannot exceed R50,000.00 (with certain legal exceptions when "garnishees"are put under administration.
Website:- http://www.libertineconsultants.co.za/ Email:- firstname.lastname@example.orgDebt ConsolidationDebt ConsolidationThere are many ways to consolidate your debts In most cases you canconsolidate your debt into one lower affordable monthly payment by meansof a Debt Review, Voluntary Distribution (or Voluntary Mediation), andAdministration.The only debt consolidation product that we do not offer is loans and wecampaign against making the unscrupulous micro-lenders rich at yourexpense and from your hard earned money.