ARE YOU
OVER-INDEBTED?
Take this quick self-assessment to
better understand your financial situation.
Many people do not realise they have become over-indebted until financial pressure starts affecting everyday life.
Over-indebtedness does not mean you have failed.
It simply means that your current financial commitments have become difficult to manage with your available income.
Take a moment to work through the monthly finances questions below.
What Happens Next?
1
Where to go from here
The good news is that you do not need to figure this out on your own.
The first step is a confidential financial assessment.
During this assessment we review:
✓ Your income
✓ Your monthly expenses
✓ Your debt obligations
✓ Your affordability
✓ Potential solutions available to you
There is no judgment.
There is no pressure.
There is simply an opportunity to understand your situation and explore your options.
2
You Are Not Alone
Many of our clients are hardworking people who never expected to need debt counselling.
Life circumstances change.
Retrenchment, illness, divorce, rising living costs, business challenges, and unexpected expenses can place enormous pressure on even the most carefully planned finances.
Seeking help is not a sign of failure.
It is often the first step towards financial recovery.
© 2026 Silentia Specialised Counselling PTY (Ltd)
NCRDC4661
📧 debt@silentia.co.za
📞 082 576 5720