It is proven that taking ownership and responsibility in the face of emotional fear, is the only path to successful debt recovery.
Nothing will change if you don’t decide to face those debt fears and learn how to overcome those emotions that has overtaken your life! When you don’t face it, then the situation gets progressively worse until there is no control and by this time, its very hard for anyone to help you.
Ignoring this situation does not make it disappear and most times when we are facing a debt-crisis after sometime we convince ourselves that one day the problems will no longer exist and this is delusional, we know this subconsciously.
- We are therefore equipped to review your financial exposure and tender our professional advice where this is the 1st step.
- We will advise you on the action to be taken and brief you on our joint roles and responsibilities to institute this action and remember we both have key roles to play in this process. You are just not afforded the luxury of transposing your entire debt situation to EFFRS with no effort from your end as we mentor you along the way with invaluable lessons.
- Whether you are a private (retail) client or SME (commercial) we are able to fully assist and support you.
- Transparency is the key from the client from inception, with no hidden surprises as this often happens and then complicates the process which is already activated. Be clear with no agenda’s because we expect the trust, honesty and sincerity.
- The confidentiality of your private information is just as key to us as it is to you so we respect your privacy without exception.
- Once the process is activated you are regularly updated and informed, especially when you need to personally present yourself at your creditors to present and/or sign the relevant documentation required to conclude the new requested process.
- Your co-operation and commitment is therefore of utmost importance and critical
There is no task too big or small for the EFFRS team so be assured that we do not make exceptions for any client as we follow our internal stringent processes and policies which is aligned to global best practice standards and therefore aligned with most large creditor organizations. Our staff are also subject to a stringent code of conduct which is a credit for all concerned parties.
If you are facing a dire situation and we do appreciate the embarrassment where most debtors do not want to open up and discuss there problems with external parties, be assured we understand this very important point which is why we created a neutral environment for clients like yourself to feel comfortable when discussing these very personal problems and issues.
The fact is regardless of how you feel at some point you must take action or suffer the consequences which can be harsh especially if your debt is very high. We deal with clients with extreme debt and we have many success stories where those individuals are comfortably repaying their debt with no regrets.
We believe in relationships and continuing to maintain them so much of our business initially was based on referrals and it continues to be so until today.
We know that historically the stigma of debt alienates people which is why we are trying to change that perception that debt is a disease and that we must stay away from people who are in debt as they are a problem and create more problems where this is far from the truth most times. Debt does not distinguish, it consumes anyone so it is wrong to discriminate because everyone deserves a second chance in life so we assure you we will do our level best to help you resolve this problem.
It’s tough when you have no support, nobody believes in you or your ability to overcome your debt problems and change your situation but the key point we found is that the very people in positions of strength who are able to support you, never realise that they could find themselves facing the same problem as nobody is immune.
The way forward in this life today is to reach out and try to touch as many lives as possible, because only then do we in turn receive what we asked for…