Making Your Debt
Affordable!

A Registered Highly Respected and Experienced

Debt Councellor At Your Service

STEP 1: APPLY, EVALUATION & CONSULTATION

Complete the application form, attach all required documents  and mail it to me for a pre-appointment evaluation. I will then contact you and schedule a consultation. During the consultation we will rework your budget, determine what you can afford to repay on your debt, discuss the debt review process and if you are confident that this process is for you, you will sign all the necessary documents and the process will start.

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STEP 2: REVIEW PROCESS
& COURT ORDER

Your credit providers and the credit bureaus will be notified of your application for debt review. They will supply me with the information on your credit agreements. When I have finalised my evaluation I will notify them that your application will be referred to an attorney, who will  present your case to a Magistrate. The Court will grant a court order whcih will show the amounts you have to repay on your debt and the duration.

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STEP 3: PAYMENTS & CLEARANCE CERTIFICATE

I have access to a payment system to make repaying your debt easy. You pay one payment (as per the court order) to a Third Party Payment Processor and I will assist with the monthly repayments to your creditors. When all the accounts are paid in terms of the court order, you and the credit bureaus will be issued a clearance certificate They must then remove the debt review status from your credit profile.

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MEET ZUNE COETZER

My company is small and I operate from a home based office to keep my overheads low. This gives me the freedom to consult on a personal basis with my clients. 

I have a passion for consumers and this amazing process called Debt Review. I see myself as an enthusiastic scholar of the legal process provided to consumers by the National Credit Act, 34 of 2005 as amended and is constantly in discussions with learned friends and colleagues in the industry.

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The 4 Main Benefits of Debt Review

The benefits of debt review as a solution to over indebtedness is quite significant and offers exactly what a consumer needs to take control of their debt. Here are the 4 main benefits of applying for Debt Review…

TAKE CONTROL

You can take control of your finances with the assistance of a debt counsellor.

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LEARN TO BUDGET

You will learn to budget and your credit budget becomes a cash budget

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PROTECTION FROM CREDITORS

Your debt counsellor must protect your rights under the Credit Act

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ONE CONSOLIDATED PAYMENT

You have one consolidated debt repayment every month.

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What Zune’s Clients Say

Over the past 9 years Zune has developed a strong partnership of trust with her clients, here is what they have to say about her…

I was deep into dept when I went to see Zune and did not know how I would be able to keep my assets and pay my dept and still be able to live. Lucky for me I had a guardian angel waiting to help me get out of this mess I had created

Zune explained the whole process in detail to me and assured me that everything would be ok. Today my review process is almost completed and life is good.
A better dept counsellor will be very hard to find!

I was financially desperate and could not cope with my debts and didn’t know what to do when I went to see Zune, 4 years ago. I felt relief from the very first moment as she was calm and explained everything to me so well.

I would like to thank Zune for what she did for me because today I no longer commit myself to unnecessary debt and I have learned how to manage my finances very well.

Someone recommended that I meet with Mrs Zune Coetzer and they promised me that soon after I met her my debt problems would be a thing of the past. This was 100% correct. Thank you Zune!

I immediately felt like there was hope from the instant I met Zune. She helped me get my life back after a horrible divorce and now I am totally debt free and can burry my past. Thank you for healing me!

Blog Articles

The following articles have been selected as Blog Articles because they are referenced to over and over in discussions within the Debt Review and Debt Counselling trade. 

Debt Review – A discussion by Debt Counsellors

One of the Bill’s objectives are consumer rights and the fact that a consumer has the right to apply for debt review…

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2013-04-12 Rougier v Nedbank

2013-04-12 Rougier v Nedbank…

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2009-08-21 National Credit Regulator v Nedbank

2009-08-21 National Credit Regulator v Nedbank…

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Contact Zune

082 776 9280  dc@zunecoetzer.co.za
Office Hours:  Monday to Thursday from 9:00 – 16:00 Friday from 9:00 – 12:30
Complete the online contact form below  for any enquiries or to request a debt counselling consultation with Zune Coetzer

Where and how to complain…