DEBT SMART

HOW TO ADVERTISE ON FACEBOOK

1- CREATE A GOOD LOOKING BUSINESS PAGE

2- CREATE A PROPPER LOOKING ADD

MAKE SURE:

1- YOUR CONTACT DETAILS ARE CLEAR

2- THE CONSUMERS CAN CLEARLY SEE WHAT WE OFFER

3- MAKE SURE YOU HAVE WhatsApp BUSINESS ON YOUR PHONE

4- BOOST YOUR ADD

5- SET UP YOUR ADD PREFERENCES

1- Change the GOAL to: Get more messages

2- Create a Audience: Choose the towns you want the add to run in.

3- Choose a duration: 4 days for example

5- Choose a budget how much you want to spend.

6- Press BOOST POST

DONE

DEBT SMART FEES & COMMISSION

DEBT SMART FEES AND COMMISSION FOR 2021

If your client do not start (his/her payments) on the next pay day you will only get: your commission after the first payment, you will forfeit R100 commission and the client will only count after the first pay date! You have to get (8) new clients a month to qualify for your incentive bonus!

DEBT REVIEW, ADMIN ORDER & CRIMINAL RECORD REMOVAL FEES:

R6500 x1 DRR PAYMENT

A-1 =R1000 X7

1 MONTH =R6500 x1

2 MONTHS =R3500 x2

3 MONTHS =R2500 x3

4 MONTHS =R2000 x4

5 MONTHS =R1650 x5

6 MONTHS =R1420 x6

7 MONTHS =R1250 x7

8 MONTHS =R1125 x8

9 MONTHS =R1030 x9

10 MONTHS =R950 x10

11 MONTHS =R890 x11

12 MONTHS =R840 x12

 

PRESCRIBE DEBT FEES:

R100 000+ OUR FEES =R10 000

R50 000 TO 99 000 OUR FEES =R8000

R20 000 TO 49 000 OUR FEES =R6000

R10 000 TO 19 000 OUR FEES =R4000

R 5000 TO 9000 OUR FEES =R3000

R 2000 TO 4000 OUR FEES =R1200

R 1999. TO SMALL OUR FEES =R800

R100 000+ PAYMENT PLANS =R10 000:

2 MONTHS =R5150 x2

3 MONTHS =R3535 x3

4 MONTHS =R2725 x4

5 MONTHS =R2240 x5

6 MONTHS =R1920 x6

7 MONTHS =R1680 x7

8 MONTHS =R1500 x8

R50 000 TO 99 000 PAYMENT PLANS =R8000:

2 MONTHS =R4150 x2

3 MONTHS =R2870 x3

4 MONTHS =R2225 x4

5 MONTHS =R1840 x5

6 MONTHS =R1585 x6

7 MONTHS =R1400 x7

8 MONTHS =R1250 x8

R20 000 TO 49 000 PAYMENT PLANS =R6000:

2 MONTHS =R3150 x2

3 MONTHS =R2200 x3

4 MONTHS =R1725 x4

5 MONTHS =R1440 x5

6 MONTHS =R1250 x6

7 MONTHS =R1111 x7

8 MONTHS =R1000 x8

R10 000 TO 19 000 PAYMENT PLANS =R4000:

2 MONTHS =R2100 x2

3 MONTHS =R1470 x3

4 MONTHS =R1150 x4

5 MONTHS =R960 x5

6 MONTHS =R835 x6

7 MONTHS =R750 x7

8 MONTHS =R720 x8

R5000 TO 9000 PAYMENT PLANS =R3000:

2 MONTHS =R1600 x2

3 MONTHS =R1135 x3

4 MONTHS =R900 x4

5 MONTHS =R760 x5

6 MONTHS =R670 x6

7 MONTHS =R610 x7

8 MONTHS =R565 x8

R2000 TO 4000 PAYMENT PLANS =R1200:

2 MONTHS =R700 x2

3 MONTHS =R535 x3

4 MONTHS =R450 x4

R1999 TO SMALL PAYMENT PLANS =R800:

2 MONTHS =R500 x2

3 MONTHS =R400 x3

 

MEDIATION CLIENTS

: MEDIATION WILL ONLY RUN FOR 7 OR 12 INSTALMENTS NOTHING (LESS OR MORE) WHERE-AFTER WE WILL RE-EVALUATE THE CLIENTS FINANCIAL SITUATION.

If you ask Caroline to work out the mediation instalments? It might take some time. Reason, sometimes she have to confirm with creditors if they will accept our proposal.

 

 

CREDIT BUREAU UPDATE:

FOR 3 OR MORE ACCOUNTS =R2000

 2 MONTHS =R1100 x2

3 MONTHS =R800 x3

FOR 1 OR 2 ACCOUNTS =R1500

 2 MONTHS =R800 x2

3 MONTHS =R570 x3

 

FRAUD or TRACE ALERT REMOVAL: R2000

2 MONTHS =R1100 x2

3 MONTHS =R800 x3

 

RULES FOR 2021:

DO YOUR DAY END EVERY DAY (R50 FINE IF YOU DON`T DO IT!)

SANITIZE CLIENT MUST USE SANITAZER WHEN THEY WALK IN WEAR YOUR MASK CLIENT MUST HAVE A MASK ON IN THE OFFICE CLIENTS MUST BE 1.5m FROM EACH OTHER IN THE OFFICE KEEP OFFICE CLEAN WE OPEN AT 8:30 CALL YOUR LEADS CALL YOUR “HOT LEADS” IMMEDIATELY FOLLOW UP EVERY DAY DO CREDIT REPORTS DO STOP ORDERS SIGN UP CLIENTS WORK AS A TEAM

HOW TO SIGN UP NEW CLIENTS

GOLDEN RULES

1- WhatsApp on the group every time you ask for a credit report

2- If call is on voice mail (sent the "when can we call you") sticker!

3- After you got the credit report (the first step is to WhatsApp the sticker)

4- know the fees and payment plans before you call a client the 2nd time!

5- WhatsApp the website www.debtsmartkzn.info if a client don`t trust us!

6- Double check your ID `s you sent to H/O 

7- All consultants must have their WhatsApp on at all times!

8- If a car, house or furniture store is on credit report DO FORM 16

9- Always start with your new HOT LEADS in the morning!

10- Always do a contract immediately after you done the stop order!

 

IF YOUR HOT LEAD CALL IS ON VOICE MAIL?

What must i do?

1- WhatsApp this link to the client:

https://www.cognitoforms.com/DebtSmart1/APPLYFORHELPFROMDEBTSMART

2- WhatsApp the sticker to the client!

THE FIRST THING TO LEARN IS HOW DOES A CREDIT REPORT WORK?

LOOK AT THE SCORE! if it is 0 Client can be on Debt Review, if the score is high risk we need to help the client fix this!

LOOK FOR JUDGEMENTS

LOOK FOR LAST PAYMENT DATES IF ITS 3 YEARS OR OLDER.

 

1- if the outstanding amounts are big and 5months or longer in arrears THIS IS A EMERGANCY PLAN!

2- If there is a judgement. WE NEED TO REMOVE THIS FIRST (H/O WILL WORK OUT A PAYMENT PLAN)

3-If the last payment date is 3years or older. WE CAN REMOVE IT =PRESCRIBED DEBT)

4-If the arrears is R6000 0r less and 4 months or less in arrears. WE DO MEDIATION)

5-If score is 0 and client have debt review WE DO DEBT REVIEW REMOVAL)

6-Admin order OR Garneshee order will show most of the time on a clients payslip!!!!

7-If the client have a car or home loane and can not pay it WE PUT THE CLIENT ON DEBT REVIEW TO SAVE THE CAR OR HOUSE!

TIMEFRAMES

MEDIATION = 7 or 12 month instalments.

PRESCRIBED DEBT to remove this is 3 to 6 months

DEBT REVIEW REMOVAL to remove 3 to 9 months (court dates determined the time)

ADMIN ORDER REMOVAL same as DEBT REVIEW REMOVAL

UPDATE at CREDIT BUREAUS 2 to 6 months

 

WHAT MUST I DO TO SIGN UP MORE CLIENTS?

1- CALL MY LEADS "BE DETERMINED"

2- HAVE A GOOD FOLLOW UP SYSTEM "a book to record numbers to call again"

3- ALSO ADVERTISE IN TOWN "on payday at the ATM`S" or in the mall.

4- GET A TABLE OR GASIBO OUT IN TOWN "in the mall or at the ATM`S"

5- SIGN UP EVEN THE SMALL CLIENTS "mediation and updates"

6- WORK ON SATURDAY "this is the best day to get hold of clients"

7- DO YOUR OWN MARKETING "on Facebook"

8- SET YOUR OWN TARGET ON NEW CLIENTS " at least 10"

9- COME TO WORK EVERUY DAY WITH A PLAN "what to do to sign up clients"

10- HAVE ENERGY "help other consultants with clients"

Be Determined

Be Professional

1- HOW TO MAKE A CALL

HOW TO MAKE A CONSUMER CALL

 A CALL TO A POTENTIAL CLIENT:

Good day😊 My name is........................ I am calling☎️ from DEBT SMART a financial management company.

Can i have a few moments 🥳 of your time? ........... (YES)😊

We assist people who is BLACKLISTED, UNDER DEBT REVIEW or under DEBT STRESS.

Are you interested? ...........(YES)😊

The first step is to do a credit report!, can we get your ID NAME AND SURNAME to do a credit report? ................ (YES)😊

Thank you i will do the report and get back to you immediately with a plan to assist you!...................😊

2- HOW TO SECURE CLIENTS OVER THE PHONE

Get clients from your calls

Be Determined!

Be Professional

KNOW THE FOLLOWING!

Your understanding of their situation

Your understanding of their needs

Your assessment of how you can help

Your suggestions on how to get started

Whatever you do, clearly articulate what you believe to be a helpful next step.

Then get agreement from the prospect that this is a good next step, set a time when the next step will take place, and deliver on whatever you might have promised the client.

3- FOLLOW UP UNFINISHED LEADS

SIGN THE CLIENT ON YOUR SECOND CALL

Be Determined

Be Professional

Offer Discount

Move The First Payment Date On

Suggest More Installments With Less Rand pm.

Offer A Free Credit Report

 

4- DO A FREE CREDIT REPORT

Determine How We Can Assist The Client?

5- DETERMINE THE COST FOR THE CLIENT?

Each Client`s Costs And Each Contract Will Be Different. Ask H/O To Assist!

6- DO A STOP ORDER

IF THE STOP ORDER DATE GO OVER DECEMBER:

We need to do a extra stop order just for December ( The pay dates are earlier than normal) NB!

Make Sure All The Clients Information Is Correct

7- COMPLETE & SIGN THE CONTRACT

Sign In Branch or Online

8- GET A COPY OF THE CLIENTS ID and  (OTHER REQUIERED DOCUMENTS)

Email or WhatsApp the ID to H/O

JOB DONE!

DEBT REVIEW REMOVAL

HOW TO TALK TO A CLIENT:

We need to remove you from DEBT REVIEW so you can get out of the FINANCIAL JAIL and get loans again.

MEDIATION

MEDIATION (how to sell it)

IF A CLIENT IS 3 OR MORE MONTHS IN ARREARS

You tell them they have to join MEDIATION and start payments to prevent a Judgment.

PRESCRIBED DEBT

Pay a small amount to clear a BIG "OLD DEBT"