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The Law on Prescribed Debt in South Africa:

The Law on Prescribed Debt in South Africa:

What Section 126B Protects: Section 126B prohibits creditors from selling, continuing to collect, or reactivating debts under credit agreements that have been extinguished by prescription under the Pr...

#NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa

Dec 4, 2025

Paid Your Default?

Paid Your Default?

Here's What Happens Next Congratulations on settling your debt! But if you're expecting that default to vanish from your credit report immediately, you might be surprised to learn it doesn't work quit...

#NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa

Nov 10, 2025

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

Sep 22, 2025

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

Sep 16, 2025

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

Sep 8, 2025

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

Aug 30, 2025

Keeping Your Debt Review

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

Aug 14, 2025

Should I Consider Debt Counselling?

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

Jul 31, 2025

Understanding Debt Review:

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

Jul 30, 2025

Who Conducts Debt Counselling?

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

Dec 5, 2024

What is Debt Counselling?

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

Dec 4, 2024

You can Pay Creditors Directly Without a PDA

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)

Dec 3, 2024

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