Welcome

 How do you know if you are facing financial difficulty?

• You are currently in arrears with payments to your creditors.
• You can not afford to pay all or some of your creditors.
• After paying your creditors, you do not have sufficient money left for living expenses i.e. school fees, transport, water and electricity, property rates and most importantly food.
• After providing sufficiently for your monthly living expenses, you do not have enough money to pay your creditors.

Dear Reader

If you are reading this you are probably already experiencing difficulty in meeting all your monthly obligations.
In all probability you might already contemplate applying for debt review, or are considering various options as how to take control over your finances.

Let’s be honest, when experiencing financial difficulties one might feel helpless to such an extent that your finances are controlling your life and not the other way around.

Well, there is indeed a way out and debt counselling might just be the answer to your problems and the way in which to regain control over your finances.

As we all know financial difficulties have a severe impact on our lives, personally and it also impacts on our families,our day to day living and our work.

Making the decision is the first step and the most important one.

I am a registered Debt Counsellor.

My career as a Debt Counsellor started in October 2009 with a leading debt counselling company and I have learnt such a great deal from them, for which I will always be grateful.

During 2011 I made the decision to practice on my own and for my own account and I started HLV Debt Counselling.

Rest assured, I have indeed written the required exams and as such am registered with the National Credit Regulator as a Debt Counsellor.
The personal touch is very important to me. You will only see my cell phone number on the contact details.
The only person you will speak to is me as it is frustrating to be yet another number in a call center queue or to speak to person A the one day and person B the next.
It is my aim to personally manage your application from the start up until the end.

Please complete the Free Call Back Form and I will assist you in your first step towards financial stability.

My Debt Counselling Guide is written to provide you with all the information you should know before applying for debt counselling. 

Yours Truly
Lukas Vorster.

If you would like to find out more about HLV Debt Counselling, please contact us!