Our service comes from the heart as much as it is the business, But we are driven to go “above and beyond” in our efforts to improve our customers’ financial health through workshops, seminars and One on One Coaching. To us it is personal to create financial stable society.
we verify if the garnishee order is lawful then if it's not we carry the investigation and dispute implementing the right process and regulations n place
Upon settlement of the account we negotiate discounts up to 50% Payment plan: Consumers do pay their debt however they don't know how, so we create a, payment plan that will help paying off the debt quicker and save interest suppose to pay
We do a debt analysis, invistage all prescribed debt and protect consumers from paying non existing debts
Debt Review was created for consumers who are over-indebted to protect thier assets however these days that's no longer a case, Debt Councelors place everyone on debt review regardless, so we are here to help you get out of debt review by using our expertise and guidelines
Kanzini understand how broad the issue with Debt in South Africa at large, we have formed business partnership with Finance Services Provider to assist our consumers to settle thier debt to be debt free
The practice of reckless lending was firmly put under the spotlight with the introduction of the National Credit Act 34 of 2005 (NCA) and subsequent amendments and affordability guidelines provided in the Act, in 2013. Some service providers still grants loans without running the affordability assessment in this case we do investigate and dispute if the lender did not follow the right procedure
What is over-indebtedness? Over indebtedness refers to a situation in which you are unable to pay off all of your financial obligations on time, as agreed under a credit agreement. This could be due to a change in your financial commitments or because you’ve borrowed and spent more money than you earn We intervene by doing a debt negotiation with the creditors After asssesng the profile we use our best tools to assist you get off the burden of debts on your shoulders
Main Challenges Faced By Consumers
We provide a comprehensive range of advisory services based on our clients’ specific needs using our extensive knowledge in Debt Repair.
Our Business Solutions
KaNzini Advisory Services exist to assit everyone lives withing South Africa to live a financial wellness life
FAQ > Frequently asked questions
Most definitely, once you've been cleared and has issued you with a Clearance Certificate, you will be entitled to apply for credit. As per question one, all records of debt review will be cleared from your credit record subsequent to fulfilling your debt review obligations.
You cannot keep track of which credit providers you are paying every month, and how much you are paying. You are unable to manage your monthly spending. You find yourself taking out loans to get through the month. You find yourself taking out new loans to pay old loans. The majority of your income (60% or more) is allocated to your debt. You have a judgement or default against your name.