We reduce your payments through several mechanisms allowed under the National Credit Act:
• Renegotiating interest rates with your creditors to lower rates
• Extending the repayment period so you pay smaller amounts monthly
• Eliminating certain fees and charges where possible
• Restructuring payments based on your actual affordability
The combination of lower interest rates and extended terms means you pay less each month, though you may pay over a longer period. The key benefit is that you can afford your payments and keep your assets.