In the course of assisting over-indebted individuals from all walks of life, our Libertine Consultants representatives are often asked what would happen to their debt if they should pass on. As such, we thought we’d share a concise summary of how debt is handled if the person in whose name it is should die.

In short: there is good news and bad news. Let’s start with the good news.

Being a parent in the 21st century can be a tough nut to crack. Our children are growing up exposed to countless media channels, which means it is vital that we lay the groundwork for proper understanding of life skills such as financial planning, so they are able to make sound decisions despite the constant marketing onslaught.

When you’re happily married and placing your career on the backburner to take care of the children while your partner pushes their career boundaries as the main breadwinner, difficult discussions about financial responsibilities are something we tend to sweep under the rug. After all, who wants to come home after an exhausting day at the office to answer a slew of questions about how the household finances are managed and what would happen if divorce becomes a reality? Pretty much no-one

At Libertine Consultants, a part of the debt counselling services we provide includes sitting with our clients to determine what they’re monthly expenses are. Something we’ve noticed of late is that many consumers tend to underestimate their transport expenses. So, we thought we’d share a few of the hidden costs you may not be considering when budgeting for the month.

This is the fourth and final blog in our four-part series on clearing your credit record in South Africa. If you’ve been keeping an eye on the blog over the last few weeks, you are now all caught up on the role your credit record plays in determining whether you are a sound investment for financial institutions who extend credit to SA consumers. We’ve discussed the role of credit bureaux in determining your overall credit score, how a credit record differs from a credit report, and what a good credit report should look like.

If you’ve been keeping an eye on the blog over the past few weeks, you’ll have noticed that we are discussing where your credit record fits into the procedures South African financial institutions follow when determining whether you are a suitable candidate for credit or not. At Libertine Consultants, evaluating their credit report, is the most important starting point for each one of our clients – whether for a simple enquiry, a clearance issue or to determine if someone really needs debt review.

We really know our stuff when it comes to our clients' credit reports!

In previous articles, we discussed the role of credit bureaux in determining your overall credit score, and how a credit record differs from a credit report. Today we look at the main features of a good credit report.

If there is one thing that the Libertine Consultants team excels at, it’s helping our clients to improve their credit records! We have helped countless over-indebted South African consumers to properly manage the repayment of their debts. By fostering healthy repayment habits, their credit rating has improved significantly. But how does it all work exactly?

In our previous article, we discussed the role of credit bureau in determining your overall credit rating. Today we are discussing your credit record and how it differs from your credit report.

One of the credit services we provide at Libertine Consultants is credit clearance. This often includes helping our clients clear prescribed debt from their credit records. But what exactly is prescribed debt, when does it apply, and does it really mean you don’t have to pay an outstanding debt?

If you are currently battling to pay all your bills and struggling to cover day-to-day expenses, you might have heard of or considered debt review. The debt counselling process, developed by the National Credit Regulator (NCR), was created to safeguard consumers, but the process is often not fully understood. Today we take a look at the most important pros and cons of debt review in South Africa in 2018.

South Africa is one of the most indebted nations in the world and the outlook for highly indebted consumers is getting bleaker, especially with the April VAT increase looming! One of the 'easy solves' that are touted as a solution for debt strapped South Africans, is the consolidation loan. But what exactly is it? How does it differ from debt counselling? Would it be a good option for you? Read on and learn more…

At Libertine Consultants, we don’t often have the opportunity to advise consumers on the importance of budgeting. Unfortunately, we only meet them when their financial situation has deteriorated to the point where they are desperate for our help. We step in and help them restructure their debt.

Prevention is always better than cure, so let's get budgeting before the crisis hits!

The answer too this question may seem a little obvious at first glance - i.e. when you can’t pay all your creditors - but it goes a little deeper that that. At Libertine Consultants, we believe the first step to a financially prosperous future is knowing your limits and deciding where to draw the line. So how do you do that?

Did the spending frenzy over the 2017/18 festive season leave you with a flat wallet and a permanent frown of concern? You’re not alone! A vast portion of the South African population feels exactly the same way.

30/01/2018 -Libertine Consultants

Is there anything more rewarding than a loving, supportive relationship with a partner who shares your ideals and yearns to build a shared future together? It’s no wonder that getting married is such a big milestone in our lives – making the decision to spend your life with another person is a big step and such a union deserves to be celebrated.