WELCOME TO SHD Financial and Legal Solutions Pty Ltd. At SHD we assist our clients to a means of allowing them financial freedom to eventually be rehabilitated from their debt.  ​ Our highly professional, proactive and experienced team of mediation experts are here to empower our clients  and provide solutions and debt management training for a debt free future.  
 

Our dedicated and hardworking team will always be here to help you. Our excellent track record and transparent fees will help you with any case whether it be a debt review, debt removal, default clearance, judgment clearances, reckless lending, prescribed debt, so why not join our family and get our unparalleled customer service.

Our Products 


 

Debt Review Removal

Voluntary Debt Mediation

Defaults

Reckless Lending

Judgements, Garnishes & Administration Orders

(A). DEBT MEDIATION PROGRAM
 

  1. Your first payment is retained by SHD Financial and Legal Solutions to cover its cost in negotiating and restructuring your debt, under voluntary distribution. This cost is also inclusive of Administration, management and marketing fees which are non-refundable
  2. You may dispute this within 7 working days of signing up for this agreement, should you feel that you were not explained & you feel uncomfortable
  3. Your second payment will be distributed to your listed creditors listed on our application, by Gribbon Trading a division of Debt Wise, a government accredited payment distribution agency. (D.A)
  4. PLEASE NOTE that should you have debit orders on your bank account it is your responsibility to have them stopped and to inform the bank regarding the program you are about to enter. It is recommended to open up another bank account to receive your salary to avoid double deductions should you not be able to stop your debit/stop orders
  5. Please notify your employers of your new banking details for future salary deposits
  6. Confirm that the information provided by you and contained in the recorded application form is, to the best of your knowledge, true and correct
  7. Your payment method has been explained to you via telecom with our Agents
  8. Should your creditors or their legal representatives contact or harass you, please send them a copy of this letter or refer them to our legal restructuring department or obtain their contact details so that our office could contact them on your behalf.
  9. Please note that this is an informal restructuring program and you might already be listed by the Credit Bureau. Accruing interest can still be charged by the Credit Provider.
  10. Please feel free to contact us if you need any further assistance.
  11. IT MUST BE NOTED THAT DURING THE FIRST 30-90 DAYS YOUR CREDITORS MAY STILL CONTACT YOU,KINDLY FORWARD ALL CORRESPONDENCE TO OUR OFFICE TO RESOLVE THE PROBLEM

 (B). DEBT REVIEW PROGRAM
 

  1. Your first payment is retained by SHD Financial and Legal Solutions to cover its cost in negotiating and restructuring your debt. This cost is also inclusive of Administration, management and marketing fees which are non-refundable.
  2. You may dispute this within 7 working days of signing up for this agreement, should you feel that you were not explained & you feel uncomfortable
  3. You have applied for Debt Review and its procedure and costs have been explained to you. You have also committed to the following:
  4. Undertake to comply with all requests from the debt counsellor, to assist in the evaluation of your state of indebtedness and the prospects for reasonable debt restructuring;
  5. Consented to the submission of your information to all registered credit bureaus by the debt counsellor;
  6. Consented to the debt counsellor obtaining your credit record from any/all credit bureaus and any other registers which may contain any of my credit information;
  7. Undertake not to enter into any further credit agreements, other than a consolidated agreement, with any credit provider until one of the following events occurred:
  • The debt counsellor formally rejects your application;
  • The court determines that you are not over-indebted; or
  • All your obligations under the credit agreements as re-arranged are fulfilled.
  1. The debt counsellor has disclosed the debt counselling fee structure and you are aware that the first instalment will be paid to the debt counsellor as his/her counselling fee.

 (C). RESCISSIONS PROGRAM (FLAG REMOVAL/JUDGEMENT REMOVAL/ADMIN ORDERS REMOVAL)
 

  1. This is a once-off fee of R6000.00 which is retained for negotiating and restructuring your flagging status, under Debt Review, Administration or Judgments.
  2. This cost is also inclusive of Administration, management and Legal fees which is non-refundable.
  3. You may dispute this within 7 working days of signing up for this agreement, should you feel that you were not explained & you feel uncomfortable
  4. Our Reversal Programs has to review and assess a consumer and prove to the court that the client's financial status has improved.
  5. SHD Financial and Legal Solutions, therefore, appoints an Attorney to assist the consumer in debt management duties, Act on behalf of the consumer and make enquiries to obtain their personal information at any / every Credit Bureau and/or financial institution to ascertain your credit status and counsel you in regards to debt relief, to take Legal steps they deem necessary to enhance clients' financial situation, Obtaining a rescission/court order.
  6. Should your application be unsuccessful at court it must be noted that this is a non-refundable policy as court outcomes cannot be controlled. Litigation can never be a sure thing as there are too many variables however it could be said that as long as there is a provision in law all is possible

 



 

 

 

Please contact us for more information.