Grace and Identity: Standing Secure in Christ "For I know the thoughts that I think toward you, says the Lord, thoughts of peace and not of evil, to give you a future and a hope." - Jeremiah 29:11 Yesterday's church gathering at Life Church Welko... Debt Counselling Financial Freedom Hope
Restoring Hope in Times of Uncertainty "For I know the thoughts that I think toward you, says the Lord, thoughts of peace and not of evil, to give you a future and a hope." - Jeremiah 29:11 In a world where many have lost hope—where we hav... Debt Counselling Financial Freedom Hope
Your Free Biblical Budget Template: Last week, we explored the Biblical principles behind successful budgeting and why the Pey (פ) principle - every rand having an assignment - transforms finances. Today, we're giving you the practical ... Debt Counselling Financial Freedom
Why Biblical Budgeting Works As we welcome the arrival of Spring on September 1st, it's the perfect moment to refresh your financial outlook! Here at The CS Group, we're excited to celebrate our 17th anniversary this month. After... Debt Counselling Financial Freedom
Janet Homann Keeping Your Debt Review Maintain Your Payment Plan Progress If you're currently under debt review in South Africa, understanding how to protect your repayment plan is crucial for successfully completing the process. The Real... #NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa
Janet Homann Should I Consider Debt Counselling? A Compassionate Guide for Those Who Feel Overwhelmed By Janet Homann If you're reading this at 2 AM, unable to sleep because of financial worries, know that you're not alone. After 17 years of sitting... #NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa
Janet Homann Understanding Debt Review: A Heart for Truth in Financial Guidance. By Janet Homann At The CS Group, we've witnessed firsthand how financial struggles can weigh heavily on families and individuals. Over our 17 years of faithful... #NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa
Janet Homann The Debt Counselling Process The Application Process Voluntary Application (Form 16): Consumers voluntarily initiate debt counselling by submitting a completed Form 16 along with necessary documentation to a registered Debt Couns... Debt Counselling Debt Review
Janet Homann Who Conducts Debt Counselling? Debt counselling is an essential service designed to assist individuals struggling with debt management. The process is conducted by a registered professional known as a Debt Counsellor (DC) . Let’s t... Debt Counselling Debt Review Registered Debt Counsellor
Janet Homann What is Debt Counselling? Debt counselling, or debt review, is a formal debt relief mechanism introduced by South Africa's National Credit Act (NCA). Its primary goal is to assist individuals who are over-indebted—those whose ... Debt Counselling Debt Relief Debt Review
Janet Homann You can Pay Creditors Directly Without a PDA Paying your creditors directly instead of relying on a Payment Distribution Agent (PDA) is a path that many consider for better control and timely payments. However, it requires careful planning to av... Debt Counselling Payment Distribution Agency (PDA)
5 Signs You Might Need Debt Counselling Debt is an inevitable part of life for many individuals, whether it’s from student loans, credit cards, or mortgages. However, when debt starts to get out of hand, it can become a source of stress and... Debt Counselling Debt Relief
