Informal Debt Management
Informal debt management gives you short-term breathing space when unexpected expenses push your budget off course. We help you stabilise repayments without entering a full legal process, so you stay in control of your credit profile.
A hands-on approach to temporary relief
Our counsellors start by assessing every aspect of your income and expenditure to determine what you can truly afford. We then review the repayment terms of your credit agreements to identify where instalments can be eased for a defined period.
Once the relief window ends, your contracts return to their original terms, ensuring your accounts remain in good standing while you regain stability.
Where informal debt management helps most
- •Urgent vehicle repairs or unexpected medical costs that would otherwise derail monthly repayments.
- •Situations where you are not classified as over‑indebted but need a structured plan to navigate short-term cashflow pressure.
- •Times when a negotiated instalment reduction will prevent arrears, late fees and the risk of collections.
How we partner with you
Detailed budget analysis: We document income and expenses in detail to confirm affordability and protect essentials before approaching creditors.
Negotiated relief: Our team liaises directly with creditors to secure reduced instalments that are sustainable for the agreed timeframe.
Guided implementation: You receive clear next steps and regular check-ins so that the plan stays aligned with your circumstances throughout the relief period.
Talk to a professional about your options
A confidential consultation will confirm whether informal debt management or another solution suits your situation. Let’s map out the most practical way to protect your accounts while you get back on track.