Each person’s financial and debt situation is unique. This means that your plan may only take a few months or it may take a few years.
Many plans these days are made over 60 months as this normally allows most people time to pay off their debt and it helps limit risk to their credit providers.
Debt Counselling South Africa will give you a detailed plan based on your unique situation which will lay out how much you will pay each month, which credit providers will be paid in those months, when it is expected that each credit provider will be paid off. This is the same information that is shared with the court for the Magistrate or Judge to make into a court order.