When your loan is declined- consolidate your debt like this!

Receiving a loan rejection notification may seem like the end of the road for reducing debt. You may have already applied for a debt consolidation loan with other providers and ended up with the same result. It takes time, resources and a lot of disappointment to keep trying for credit. But we understand there is a desire for change that keeps you committed. You long for the day when you can see more disposable income after paying bills. The sense of financial freedom, a fresh start and being able to cover all expenses will be worth it. If only you were able to consolidate your debt by some miracle…

But what if the loan decline was the door to open a new beginning for you? A beginning where you could pay off your accounts and cover your expenses without making more debt? A way to consolidate, slash interest on current debt and get out more cash every month. A debt consolidation solution designed for people rejected for further finance.

Note this is not a loan. If you are looking for a loan this article will not help you.

Debt consolidation without a loan

At Premier Debt we can help you to achieve everything you wanted with a loan and more through one of our debt consolidation programs.

Benefits of our programs

Pay one monthly payment you can afford

Combine all your debt into one monthly payment you can afford. Anyone with more debt than they can handle and the desire to be debt free should highly consider our program.

Immediate cash relief

Unlock cash relief from your exisiting credit agreements. You will pay less to your creditors and see more of your salary to cover all your expenses and start saving.

Reduce interest on outstanding debt

As soon as you start making payments to the program, you will stop further high interest charges. Your professional debt adviser will work hard to negotiate better interest rates. They have the trained skills and authority to enter negotiations with your creditors to help you reduce your total debt.

Stop dealing with debt collector calls

Calls from debt collectors will be dealt with by your professional debt adviser. You can relax and get on with life and forget about feeling nervous every time your phone rings.

Stop expired arrangements with your bank

If you have ever tried to make a payment arrangement with your bank, you will know it is a painful process. Their arrangement only lasts for a short period and then they call you again to try get more money out of you. At Premier Debt we understand that your financial position doesn’t change overnight. That’s why our professional debt advisers will handle your bank, so you never have to make another arrangement again.

Stop your bank from taking money when it lands in your account

In some instances when people stop paying their debt that they owe the bank, the bank will debit any money that lands in the bank account. There have been people who have lost entire salaries as a result and it’s not always possible to reverse it. Our professional debt advisers will guide you to ensure this never happens to you.

Settle all arrears

This is a consolidation solution that includes all your current and arrear debt. We can also assist with school fees and outstanding doctors or medical bills.

Fix your credit record

To be able to qualify for a loan again you will need to fix your credit record. Your assigned professional debt adviser will tackle every issue on your credit record. All creditors you owe money to will be included in the program. This will reduce defaults, late payments and other further listings with the bureau.

Improve your credit score

Your professional debt adviser will make payments to your creditors every month on time. This will improve your credit score over time. By not applying for further credit and reducing your total debt exposure you will also improve your score.

Stop legal action

You have the legal protection on your side to stop any further legal action. We can help you protect your home and vehicle from repossession. We can also help you deal with judgements and prevent garnishee orders on your salary.

Pay off all your debt

Instead of taking out another loan and making more debt. You will just consolidate and pay off the debt that you already have. This will help you pay off all your debt so you can have a fresh start.

Learn critical budgeting skills

To be able to stay out of debt when you finish the program, you will need to learn money management skills. Like any skill you master, you will spend time to gain practical experience and develop it. By working on a plan with one of our programs you will stop relying on credit and be able to budget with your salary. When you master living off your salary, you can save more money to be able to invest in your dreams. Three to five years practical debt consolidation experience will teach you budgeting skills. A skill set that can save you hundreds of thousands if not millions of rands over your lifetime. And help you to invest in your family’s future and grow your net worth. We hope you see the long-term value of developing your money management capabilities.

Save for an emergency fund

It’s far less tempting to use credit when you have your own cash stash that can look after your needs. The key to stop using credit is to rather learn to channel the money you spend on credit into a savings account. Then you can pay for vet visits, extra doctors’ bills or even a vacation with your cash reserves. It will not only save you up to 24% on your purchases but you will also invest in yourself instead of stealing from your future self. You can consolidate your debt and pay up to 50% less towards debt every month. Any money that is left after paying expenses you can use to start your own emergency fund.

Let’s chat

If you feel any of these benefits could add value to your life, I would love to start a conversation with you. We started the Premier Debt Network to help others through our experience. You see just like you, we were also battling with too much unsecured debt. With some hard work and working with debt management programs we were able to get back on top. So, we use our experience to assist others with the help of our handpicked professional debt advisers.

I would love the opportunity to connect with you on a call, see what your concerns and goals are to find a way to help you move forward.

To find out more please complete the form and look out for our call from 021 780 1046.

I look forward to connecting with you.

Warm regards,

Judy Hayes

Co-founder

The Premier Debt Network