Frequently Asked Questions
Why choose the Zeeva program?
Our program is run by an all-women team, all of whom understand that:
- Your worth is not determined by your finances.
- Life happens.
- You need a solution that has been tried, tested and has proven results.
- You need a chance to turn things around without being threatened with repossession or legal action.
- You have to keep the wheels turning at home. Making sure there’s food on the table, keeping the kids in school, paying the electricity and water bills. These are all non-negotiable.
We are qualified and equipped to help you break the debt cycle.
What happens when I successfully complete the Zeeva program?
Technically speaking you will receive a clearance certificate. This will be sent to your creditors and the credit bureaus. They are then required by the National Credit Act to remove any negative information about your debt, and any information about your debt review.
What this means for you is a clean financial slate and a healthy credit record.
How much will the Zeeva program cost me?
Because the Zeeva program uses a National-Credit-Act-endorsed-tool called debt review our service costs are strictly regulated.
All our costs are worked into your monthly repayment plan, so there are no hidden costs, or the hassle of an upfront fee. And because it is strictly regulated by the National Credit Act you can be assured that it will be kept to a minimum.
Our cost is formulated around your debt, and your unique situation, so your fees will be different from say Susan’s fees. Our team will gladly provide you with your fee structure before you make a decision about entering our program.
How long will the Zeeva program take?
There is no one-size-fits-all answer here since it will depend on how much debt you have, how much you can afford to pay, and what we can negotiate with your creditors. It would be best to ask a Zeeva expert to take a look at your unique circumstances and provide you with a timeframe.
Can creditors take legal action against me during the Zeeva program?
No, but unfortunately that doesn’t necessarily mean they won’t try. It is sad to say but you might experience intimidation from a creditor, but don’t let them faze you, you are FULLY protected by the law.
This is one of the reasons we chose debt review as a tool, it is backed by the National Credit Act and promises legal protection for you and your assets during the Zeeva program.
If you ever find yourself on the receiving end of a creditor harassing or threatening you please contact us immediately, we are here to help and we will gladly remind them about your rights.
Will my money be safe in the Zeeva program?
Absolutely. When it comes down to the technical aspects of the Zeeva program (like the management of your money) it will fall within the National Credit Act’s regulation of debt review. So there are strict regulations about your money, how your money is handled and who is allowed to handle it – all of it is firmly regulated by the law.
Because this program is also about empowering you it is extremely important to us that you stay in control, that you know exactly what is going on every step of the way. So we have developed an online platform where you can check your progress anytime called the Zeeva Client Portal.
Can I apply for credit or use credit during the Zeeva program?
This is somewhat of a sore point, especially because the answer is no, you cannot use credit or apply for credit during the Zeeva program.
The reason for this is that credit causes debt and the Zeeva program is formulated to get you out of debt. Think about it this way; you won’t have endless access to a death-by-chocolate cake on a healthy eating plan.
We know it seems crazy to think that you won’t have access to credit during the Zeeva program, but we promise you, sticking with our program will be worth it 110%! Plus, once the program has been completed you will be free to apply and use credit again.
I am unemployed, can I join the Zeeva program?
Because we use debt review as a legal tool we have to abide by the National Credit Act – which requires you to be employed, or at least have some form of consistent income.
The reasoning behind this is, even though we drastically reduce your repayment amount, we still need to provide your creditors with a repayment amount.
Legal action has already been taken against me; will the Zeeva program be able to help?
Unfortunately, we won’t be able to include that specific creditor in your debt review.
However, we will do our best to convince the creditor to join your program, or at the very least negotiate the repayment terms on your behalf. We have been able to do this in the past, but it is not a given.
Will my employer find out?
No. This program is confidential and on a need-to-know basis and we take that very seriously. Your employer and colleagues do not need to know.
How does my marriage affect my Zeeva program?
It all depends on the type of marriage contract you have.
If you are married in community of property:
In the eyes of the law you and your spouse are seen as one. That includes your debt. So in this case you will have to apply to the program together.
If you are married out of community of property:
You can apply by yourself. But if you have signed for debt together then both parties will have to apply.
What happens if I miss an instalment?
It is absolutely crucial that you stick with the Zeeva program. The only way we can protect and help you is when you stay in the program.
So if you realise there is a chance that you might miss a payment, please contact us soonest so that we can make the necessary arrangement. If this is not done your creditors have a legal right to stop the program and start legal action against you.