Hi,i am in a bad debt of an amount of lees than R35 000 im also working earning R3200 Per month.I don`t own any property,so could please any one help me to pay once off this amount?Please help!!!

Greetings to you,

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Debt settlement is not something that you should see as a first option to get out of debt.Just like bankruptcy, a settlement will remain on your credit file for up to 10 years. Consider debt counselling first which allows to arrange a debt management plan with your creditors.

Regards
Laura
http://www.getdebtcounsellingsa.co.za/