✔ Financial Position Assessment

• Income and expense review
• Affordability overview
• Budget guidance
• Financial risk awareness

✔ Credit Report Guidance

• Understanding your credit profile
• Identifying risk indicators
• Explaining credit behaviour impact

✔Pre-Debt Review Education

• Understanding how debt review works
• Exploring available legal options
• Guidance on next steps

✔ Professional Referrals

Where regulated intervention is required, we refer clients to appropriately registered professionals in accordance with the National Credit Act.

Important Notice

ASHA 29 (Pty) Ltd provides independent advisory and educational services only.

We do not conduct debt review, negotiate with creditors, or collect consumer payments.

Where regulated services are required, clients are referred to registered practitioners in accordance with the National Credit Act 34 of 2005.

ASHA 29 (Pty) Ltd provides independent financial and credit advisory services only.

We do not conduct debt review or negotiate with creditors.

NCR registration in progress.