FIN FIT
INVESTMENTS
DEBT RESTRUCTURE
How Does it Work?
Debt restructuring helps you take control of your finances without taking a new loan. Instead of juggling multiple debts, we talk directly to your creditors and combine everything into one reduced monthly payment. We negotiate lower instalments and interest rates, preventing garnishees and creditor harassment, and help you breathe again — legally and confidentially. There are no upfront fees, and we guide you step by step. If you're struggling to keep up with payments, this is your path to relief. We also provide financial wellness services depending on your personal situation.
Frequently Asked Questions
Q1: What is debt restructuring exactly? A: It’s a process where we negotiate with your current creditors to lower your monthly payments and interest rates. You don’t take a new loan – we just help you manage what you already owe. Q2: Do I qualify for debt restructuring? A: If you’re struggling to pay your monthly debts, receiving legal letters, or are behind on payments, you likely qualify. We’ll confirm this through your free debt assessment. Q3: Do I need to pay anything upfront? A: No. There’s no upfront payment. Our fee is included in your payment plan and spread out over time. Q4: Will this affect my job or salary? A: No, it won’t affect your employment. In fact, if you’re currently under a garnishee order, restructuring can stop those deductions legally. Everything is confidential and regulated. Q5: Will this appear on my credit report? A: Yes, it may show as a restructured account, but over time, as you keep paying, it can actually help improve your credit rating. Q6: How long does the process take? A: Once we receive your documents, we can usually submit a proposal to creditors within a few days. The full setup can take 2–4 weeks depending on responses. Q7: What documents do I need to start? A: We need: your ID, latest payslip, 3 months’ bank statements, and a list of your current debts (loan accounts or store cards). We’ll guide you step-by-step. Q8: What if I stop paying the restructured plan later? A: We’ll work with you to prevent that, through coaching and support. But if payments stop, creditors can revert to their original terms, including legal action. Q9: What’s the difference between this and debt consolidation? A: Debt consolidation involves taking a new loan to pay off others – adding more debt. Debt restructuring renegotiates your current debts without borrowing more. Q10: Where are you based and how do I contact you? A: We’re based at 32 Von Eckenbrecher Str., Eros, Windhoek. You can reach us on WhatsApp or call 081 361 1141. Visit www.finfitinvestment.com/debtrestructure for more info.
Interested?
Get in touch so we can start dealing with your debt immediately.
