A: No, Debt Review is not the same as Sequestration.
What is Sequestration?
Sequestration entails that you, a natural person (as stated by the Insolvency Act), are bankrupt.
You get two types of Sequestration:
- One – Compulsory Sequestration – when you can’t pay your debts, leading to your creditors applying for your estate to get sequestrated.
- And two – Voluntary Sequestration – when you willingly apply to the High Court for sequestration/to be declared insolvent.
**For more information and help with the above process, please contact an authorised insolvency lawyer to assist you.
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What the process entails:
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START
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Debt Review
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Free assessment done by a registered Debt Counsellor to confirm over-indebtedness.
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Sequestration
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Application to the High Court for Sequestration/to be declared insolvent.
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What the process entails:
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PAYMENT PLAN
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Debt Review
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Consolidated repayment plan to pay off your debts & a budget to enable you to service your living costs in the process.
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Sequestration
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The court will appoint a trustee to manage your money and distribute the benefits from the sale of (mostly all of your) assets in your estate.
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What the process entails:
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PROTECT ASSETS
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Debt Review
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Protection of your assets (such as a vehicle or house) against your creditors.
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Sequestration
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With Sequestration your assets are sold to cover your debt. In order to meet the criteria for Sequestration, you will need to cover 100% of your secured debt (typically a home loan or an instalment sale agreement) and 20% of your unsecured debt (typically personal loans, credit cards and overdrafts) as well as the costs of the Sequestration.
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What the process entails:
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REACHING THE END OF THE PROCESS & THE WAY FORWARD (TAKING ON DEBT AGAIN)
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Debt Review
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Clearance Certificate – the proof that you receive indicating that you have paid off all of your debts.
As soon as all paid-up letters have been received, you and the credit bureaus will receive your Clearance Certificate Your Debt Review flag, plus any default listings, need to be removed from your record (according to the National Credit Act) by the credit bureaus.
However, your payment history will still reflect on your credit profile for a period of two years as per the conditions of the National Credit Act (NCA).
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Sequestration
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You may bring an application to be rehabilitated, usually within 4 years after your date of Sequestration. This entails another court application; however, it is not a complicated one. If no creditors prove claims, you can rehabilitate within 1 year. Note – this is not the norm.
If you do not bring the application, you will automatically rehabilitate after 10 years.
You cannot get credit before your rehabilitation.
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What the process entails:
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HOW LONG DOES THIS PROCESS TAKE?
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Debt Review
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Debt Review is a rehabilitation and proven program that is personally structured according to your situation and according to the amount of debt that you owe (differs time-wise from person-to-person).
DebtSafe can provide you with a free debt assessment which will provide you with an estimate on how long your specific Debt Review program can/will take. (CTA)
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DebtSafe can provide you with a free debt assessment which will provide you with an estimate on how long your specific Debt Review program can/will take.
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Sequestration
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Sequestration is completed within a 1 – 10 year period, depending on several factors.
The consequence of Sequestration can be far-reaching, depending on your specific situation and circ*mstances involving your insolvency.
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The difference between Debt Review & Sequestration – shortened illustration:
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Difference
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Debt relief method / debt management solution
.gb-container-dff3a48c{border:1px solid;background-color:#f5f5f5;}.gb-container-dff3a48c > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-dff3a48c{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-dff3a48c > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-dff3a48c{width:50%;}}
.gb-container-12302e73{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-12302e73 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-12302e73 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-12302e73{width:100%;}}
p.gb-headline-619666dd{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Debt Review
p.gb-headline-f45eb346{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}
✓
.gb-container-ffb013a4{border:1px solid;background-color:#f5f5f5;}.gb-container-ffb013a4 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-ffb013a4{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-ffb013a4 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-ffb013a4{width:50%;}}
.gb-container-55677acc{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-55677acc > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-55677acc > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-55677acc{width:100%;}}
p.gb-headline-c2254ed5{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Sequestration
p.gb-headline-507d26ab{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}
✓
.gb-grid-wrapper-c3829fb9{margin-left:-10px;}.gb-grid-wrapper-c3829fb9 > .gb-grid-column{padding-left:10px;padding-bottom:10px;}
.gb-container-c286cda2{border:1px solid;background-color:#f5f5f5;}.gb-container-c286cda2 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-c286cda2{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-c286cda2 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-c286cda2{width:100%;}}
.gb-container-1a691dff{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-1a691dff > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-1a691dff > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-1a691dff{width:100%;}}
p.gb-headline-a19251c3{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}
Difference
p.gb-headline-43590418{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}
Regulated process
.gb-container-81017f99{border:1px solid;background-color:#f5f5f5;}.gb-container-81017f99 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-81017f99{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-81017f99 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-81017f99{width:50%;}}
.gb-container-bedc5c09{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-bedc5c09 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-bedc5c09 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-bedc5c09{width:100%;}}
p.gb-headline-079e3b4a{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Debt Review
p.gb-headline-44cce1b7{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}
✓
p.gb-headline-c76cef6c{text-align:center;padding:10px;margin-bottom:0px;}
Regulated by the National Credit Regulator (NCR) – the governing body of the credit industry under the National Credit Act (NCA)
.gb-container-9d1f1e19{border:1px solid;background-color:#f5f5f5;}.gb-container-9d1f1e19 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-9d1f1e19{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-9d1f1e19 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-9d1f1e19{width:50%;}}
.gb-container-689325d5{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-689325d5 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-689325d5 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-689325d5{width:100%;}}
p.gb-headline-8aa0bb3a{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Sequestration
p.gb-headline-0a366f7c{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}
✓
p.gb-headline-a2b3b2ee{text-align:center;padding:10px;margin-bottom:0px;}
The process is regulated by the Insolvency Act
.gb-grid-wrapper-e3d1fb28{margin-left:-10px;}.gb-grid-wrapper-e3d1fb28 > .gb-grid-column{padding-left:10px;padding-bottom:10px;}
.gb-container-0a880c9f{border:1px solid;background-color:#f5f5f5;}.gb-container-0a880c9f > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-0a880c9f{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-0a880c9f > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-0a880c9f{width:100%;}}
.gb-container-dd16c1a0{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-dd16c1a0 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-dd16c1a0 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-dd16c1a0{width:100%;}}
p.gb-headline-993f09b6{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}
Difference
p.gb-headline-3d8a3184{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}
Losing your assets during the process
.gb-container-e20cb002{border:1px solid;background-color:#f5f5f5;}.gb-container-e20cb002 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-e20cb002{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-e20cb002 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-e20cb002{width:50%;}}
.gb-container-df0c3684{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-df0c3684 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-df0c3684 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-df0c3684{width:100%;}}
p.gb-headline-75580743{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Debt Review
p.gb-headline-0a196e87{font-size:40px;text-align:center;margin-bottom:0px;color:#ab4326;}
✗
.gb-container-57461314{border:1px solid;background-color:#f5f5f5;}.gb-container-57461314 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-57461314{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-57461314 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-57461314{width:50%;}}
.gb-container-93b4f08c{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-93b4f08c > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-93b4f08c > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-93b4f08c{width:100%;}}
p.gb-headline-a4a101fa{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Sequestration
p.gb-headline-e71ee6e5{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}
✓
.gb-grid-wrapper-4f380f30{margin-left:-10px;}.gb-grid-wrapper-4f380f30 > .gb-grid-column{padding-left:10px;padding-bottom:10px;}
.gb-container-d3456a5d{border:1px solid;background-color:#f5f5f5;}.gb-container-d3456a5d > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-d3456a5d{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-d3456a5d > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-d3456a5d{width:100%;}}
.gb-container-ddc68713{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-ddc68713 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-ddc68713 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-ddc68713{width:100%;}}
p.gb-headline-7f653289{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}
Difference
p.gb-headline-f16903e9{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}
You get the opportunity to pay off all of your creditors
.gb-container-e8350df3{border:1px solid;background-color:#f5f5f5;}.gb-container-e8350df3 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-e8350df3{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-e8350df3 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-e8350df3{width:50%;}}
.gb-container-fef0d369{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-fef0d369 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-fef0d369 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-fef0d369{width:100%;}}
p.gb-headline-554a25ab{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Debt Review
p.gb-headline-9ebfe08f{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}
✓
.gb-container-736053ec{border:1px solid;background-color:#f5f5f5;}.gb-container-736053ec > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-736053ec{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-736053ec > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-736053ec{width:50%;}}
.gb-container-4e0c0984{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-4e0c0984 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-4e0c0984 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-4e0c0984{width:100%;}}
p.gb-headline-07fd4277{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Sequestration
p.gb-headline-4b845425{font-size:40px;text-align:center;margin-bottom:0px;color:#ab4326;}
✗
.gb-grid-wrapper-24f1e9bf{margin-left:-10px;}.gb-grid-wrapper-24f1e9bf > .gb-grid-column{padding-left:10px;padding-bottom:10px;}
.gb-container-303d345c{border:1px solid;background-color:#f5f5f5;}.gb-container-303d345c > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-303d345c{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-303d345c > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-303d345c{width:100%;}}
.gb-container-d52ac712{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-d52ac712 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-d52ac712 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-d52ac712{width:100%;}}
p.gb-headline-95e10a7d{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}
Difference
p.gb-headline-c6c0b733{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}
Hefty legal fees
.gb-container-ad1eba1e{border:1px solid;background-color:#f5f5f5;}.gb-container-ad1eba1e > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-ad1eba1e{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-ad1eba1e > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-ad1eba1e{width:50%;}}
.gb-container-4d2fc8a4{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-4d2fc8a4 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-4d2fc8a4 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-4d2fc8a4{width:100%;}}
p.gb-headline-9f5588c3{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Debt Review
p.gb-headline-e1dc7a7f{font-size:40px;text-align:center;margin-bottom:0px;color:#ab4326;}
✗
.gb-container-266477a3{border:1px solid;background-color:#f5f5f5;}.gb-container-266477a3 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-266477a3{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-266477a3 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-266477a3{width:50%;}}
.gb-container-79f94cd8{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-79f94cd8 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-79f94cd8 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-79f94cd8{width:100%;}}
p.gb-headline-b598ab11{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Sequestration
p.gb-headline-a42faa55{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}
✓
.gb-grid-wrapper-13eade79{margin-left:-10px;}.gb-grid-wrapper-13eade79 > .gb-grid-column{padding-left:10px;padding-bottom:10px;}
.gb-container-8c2c3db5{border:1px solid;background-color:#f5f5f5;}.gb-container-8c2c3db5 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-8c2c3db5{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-8c2c3db5 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-8c2c3db5{width:100%;}}
.gb-container-087aa978{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-087aa978 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-087aa978 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-087aa978{width:100%;}}
p.gb-headline-5e329b92{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}
Difference
p.gb-headline-2d3b5230{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}
Process duration
.gb-container-88b03551{border:1px solid;background-color:#f5f5f5;}.gb-container-88b03551 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-88b03551{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-88b03551 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-88b03551{width:50%;}}
.gb-container-82ef7ca6{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-82ef7ca6 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-82ef7ca6 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-82ef7ca6{width:100%;}}
p.gb-headline-9e39358f{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Debt Review
p.gb-headline-8f344f72{text-align:center;padding:10px;margin-bottom:0px;}
Depends on your personal circ*mstances
.gb-container-2fd456d7{border:1px solid;background-color:#f5f5f5;}.gb-container-2fd456d7 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-2fd456d7{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-2fd456d7 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-2fd456d7{width:50%;}}
.gb-container-dfda2c17{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-dfda2c17 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-dfda2c17 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-dfda2c17{width:100%;}}
p.gb-headline-005caafe{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Sequestration
p.gb-headline-03c3a06a{text-align:center;padding:10px;margin-bottom:0px;}
1 – 10 years depending on your personal circ*mstances
.gb-grid-wrapper-192d9c8f{margin-left:-10px;}.gb-grid-wrapper-192d9c8f > .gb-grid-column{padding-left:10px;padding-bottom:10px;}
.gb-container-063a0a99{border:1px solid;background-color:#f5f5f5;}.gb-container-063a0a99 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-063a0a99{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-063a0a99 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-063a0a99{width:100%;}}
.gb-container-9a6a86a4{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-9a6a86a4 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-9a6a86a4 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-9a6a86a4{width:100%;}}
p.gb-headline-157a130d{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}
Difference
p.gb-headline-20eaf4da{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}
After the process, your salary is yours
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.gb-container-7608e1c2{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-7608e1c2 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-7608e1c2 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-7608e1c2{width:100%;}}
p.gb-headline-934c6cce{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Debt Review
p.gb-headline-9e520325{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}
✓
.gb-container-1a8e4863{border:1px solid;background-color:#f5f5f5;}.gb-container-1a8e4863 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-1a8e4863{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-1a8e4863 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-1a8e4863{width:50%;}}
.gb-container-aa2993d2{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-aa2993d2 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-aa2993d2 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-aa2993d2{width:100%;}}
p.gb-headline-125c9549{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Sequestration
p.gb-headline-2c4c5033{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}
✓
.gb-grid-wrapper-977d44d8{margin-left:-10px;}.gb-grid-wrapper-977d44d8 > .gb-grid-column{padding-left:10px;padding-bottom:10px;}
.gb-container-413b656f{border:1px solid;background-color:#f5f5f5;}.gb-container-413b656f > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-413b656f{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-413b656f > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-413b656f{width:100%;}}
.gb-container-b1d518d8{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-b1d518d8 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-b1d518d8 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-b1d518d8{width:100%;}}
p.gb-headline-40d6b4bb{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}
Difference
p.gb-headline-3506a679{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}
You can take on new debt after the program
.gb-container-9647fbdb{border:1px solid;background-color:#f5f5f5;}.gb-container-9647fbdb > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-9647fbdb{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-9647fbdb > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-9647fbdb{width:50%;}}
.gb-container-38f66996{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-38f66996 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-38f66996 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-38f66996{width:100%;}}
p.gb-headline-55f6af60{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Debt Review
p.gb-headline-1622f809{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}
✓
.gb-container-388b8a3a{border:1px solid;background-color:#f5f5f5;}.gb-container-388b8a3a > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-388b8a3a{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-388b8a3a > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-388b8a3a{width:50%;}}
.gb-container-8447ab8e{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-8447ab8e > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-8447ab8e > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-8447ab8e{width:100%;}}
p.gb-headline-6b5c5ccf{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Sequestration
p.gb-headline-e4c0c4bc{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}
✓
.gb-grid-wrapper-75ef40d7{margin-left:-10px;}.gb-grid-wrapper-75ef40d7 > .gb-grid-column{padding-left:10px;padding-bottom:10px;}
.gb-container-f2b018bf{border:1px solid;background-color:#f5f5f5;}.gb-container-f2b018bf > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-f2b018bf{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-f2b018bf > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-f2b018bf{width:100%;}}
.gb-container-2a864447{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-2a864447 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-2a864447 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-2a864447{width:100%;}}
p.gb-headline-7ee80564{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}
Difference
p.gb-headline-2140590e{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}
Average % of debt paid off
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.gb-container-ddc5e026{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-ddc5e026 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-ddc5e026 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-ddc5e026{width:100%;}}
p.gb-headline-6c69eb80{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Debt Review
p.gb-headline-c4c8740b{text-align:center;padding:10px;margin-bottom:0px;}
100% plus interest.
.gb-container-215b3a49{border:1px solid;background-color:#f5f5f5;}.gb-container-215b3a49 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-215b3a49{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-215b3a49 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-215b3a49{width:50%;}}
.gb-container-121559c1{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-121559c1 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-121559c1 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-121559c1{width:100%;}}
p.gb-headline-ee7fc99e{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}
Sequestration
p.gb-headline-1138d7bf{text-align:center;padding:10px;margin-bottom:0px;}
100% of secured debt, 20% of unsecured debt.
#kt-info-box_de8584-39 .kt-blocks-info-box-link-wrap{border-color:#f2f2f2;border-top-width:2px;border-right-width:2px;border-bottom-width:2px;border-left-width:2px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px;margin-top:50px;margin-bottom:30px;}#kt-info-box_de8584-39 .kt-blocks-info-box-link-wrap:hover{border-color:#73ae2c;}#kt-info-box_de8584-39 .kadence-info-box-icon-container .kt-info-svg-icon, #kt-info-box_de8584-39 .kt-info-svg-icon-flip, #kt-info-box_de8584-39 .kt-blocks-info-box-number{font-size:57px;}#kt-info-box_de8584-39 .kt-blocks-info-box-media{color:#C0C0C0;background:#ffffff;border-color:#eeeeee;border-radius:200px;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px;}#kt-info-box_de8584-39 .kt-blocks-info-box-media-container{margin-top:-75px;margin-right:0px;margin-bottom:20px;margin-left:0px;}#kt-info-box_de8584-39 .kt-blocks-info-box-media .kadence-info-box-image-intrisic img{border-radius:200px;}#kt-info-box_de8584-39 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:#73ae2c;background:#ffffff;border-color:#eeeeee;}#kt-info-box_de8584-39 .kt-infobox-textcontent h2.kt-blocks-info-box-title{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}#kt-info-box_de8584-39 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin:10px 0px 10px 0px;}
