MIRAN

04/07/2016

Hi, you may now view the new updated Miran Debt Counselling website. www.mdebtc.co.za

05/08/2015

Garnishee orders has been a real troublesome factor for many. Do not hesitate to contact us if want it to be removed.

30/07/2015

Thanx guys..

30/07/2015

30/07/2015

Registered Debt Counsellor

30/07/2015

Thank you to those who 'Like' this page

30/07/2015

Miran Legal Services provides legal services in a wide variety of South African Law. Some of the services include:
Civil Law & Family Law
Matrimonial & Maintenance Matters
Unfair Dismissals & Unfair Labour Practices
Family Mediation
Drafting of Parenting Plans
Administration of Deceased Estates
Drafting of Wills
Drafting of Sales Agreements
Drafting of Lease Agreements
Debt Management and Resolution
Debt Review
Alternative Dispute Resolution
Company Registration
Expungement of Criminal record
Landlord and Tenant Matters
Immigration
Road Accident Claims
We have a very dynamic legal team to assist and facilitate you with all your legal issues. Our vision is to create a platform of which our clients can benefit from a wide range of legal processes. We are also association with ZS INCORPORATED ATTORNEYS and Ahmed and Associates and Action Immigration.

30/07/2015

Debt Counselling offers a remedy to over indebtedness that has the aim at rehabilitation into the credit market.
Debt Review will protect the consumer from losing crucial assets and keep the Credit Providers from taking legal action on accounts that was lawfully included in the debt review.
All accounts will be consolidated into one monthly payment to obtain more control over your finances. Upon agreement from credited providers, the Debt Counsellor will file an application to the magistrate court to obtain to obtain a consent order. This order of court will formalise the arrangement. Upon the completion of the term of the arrangement, the Debt Counsellor will provide a clearance certificate to the relevant parties and bodies.

The Debt Counselling Process

Step 1
Provide all income and expense documents to the Debt Counsellor

Step 2
The Debt Counsellor will assess the application to ascertain if you are over indebted. Once this is obtained, then a consultation will be arranged with you.

Step 3
During the consultation the Debt Counsellor will verify your budget and your existing debt commitments. A new budget will be agreed and the amount available for debt repayment will be determined. The Debt Counsellor will also provide you with details of all the costs as well as an interim repayment plan. This is when you officially apply for Debt Counselling.

Step 4
The Debt Counsellor will contact all your Credit Providers as well as the Credit Bureaus to verify your debt. You will also be listed on the Credit Bereaus that you are under debt counselling. This listing will stay there until you have paid everything off, then it will be completely removed

Step 5
The Credit Providers may accept the proposals and if all of them do then a Consent Order will be obtained from a Magistrate Court. If one or more of the Credit Providers do not accept the proposed repayment plan the Debt Counsellor will submit a proposal to the Magistrate for a decision.

Step 6
The Debt Counsellor will provide you with a final repayment plan and this repayment plan is also submitted to a Payment Distribution Agency (PDA). The aim of this is to collect a single payment from you and ensure that the correct amount is paid to all Credit Providers on a monthly basis. This will continue until the debt has been repaid.

This process is facilitated by a registered debt counsellor.