You are better off trying to solve debt problems for yourself first.
Try to assemble your own debt repayment plan, for starters – creating that plan (and going through a few basic steps to improve your interest rates) can often make a seemingly impossible problem seem quite accessible.
Its membership consists of in excess of 220 professional debt collection entities including entities registered in terms of the Debt Collectors Act, law firms registered in terms of the Attorneys Act specialising in debt collection and large credit providers with internal debt recovery divisions and/or a vested interest in the debt collection industry, including JSE listed entities.
ADRA establishes and maintains the positive reputation of the debt recovery industry and its membership in particular through education, advocacy, services and the enforcement of standard beyond the entry level minimum standards dictated by law.
Setting up a debt repayment plan is actually pretty simple, as is negotiating with your creditors.
People do this on their own without paying for the services.
If you still need help, ask for help from people you personally know first – not in terms of loaning you money, but in terms of helping you come up with a plan that works for you.
If you’re still having troubles, consider some professional help – but be careful.
Try the well-known tactics by yourself first, and use great caution if you’re considering using a debt reduction or debt elimination program.
Still, that’s not stopping some women from defying the odds.