Our Services

Our Financial Literacy services

At PL Financial Literacy, we provide professional credit and debt management solutions designed to help individuals take control of their finances, manage debt responsibly, and build a stronger financial future.

Our services are delivered by NCR-registered debt counsellors with years of industry experience, providing professional guidance and practical solutions to help our clients regain control of their finances and work towards financial freedom.

We go beyond debt management by combining our services with financial education and practical financial management tools. Our goal is not only to help clients overcome their current financial challenges, but also to equip them with the knowledge and skills needed to manage their finances confidently and make better financial decisions for the future.

Debt Counselling (Debt Review)

Debt counselling, also known as debt review, is a legal process designed to help over-indebted consumers regain control of their finances. A registered debt counsellor assesses your financial situation and works with your creditors to restructure your debt repayments into an affordable monthly payment.
It provides a structured path towards becoming debt-free while helping you manage your financial obligations more effectively. Once you successfully complete the process and meet the required obligations, you can obtain a Debt Clearance Certificate and begin rebuilding your financial future.

Credit Score Building

Your credit profile can affect your ability to access finance and other financial opportunities. Our Credit Score Building service helps you understand your credit profile, identify areas that may be negatively affecting your score, and develop a clear plan to improve it.
We provide personalised guidance on credit reports, disputes, arrears, settlements and responsible credit management, with ongoing support to help you build a healthier credit profile over time.

Debt Clearance Certificates

Completed your debt review journey? A Debt Clearance Certificate is the final step in confirming that you have successfully settled your qualifying debt obligations.
We assist you with the clearance process and the necessary documentation to help ensure your debt review status is updated with the credit bureaus, allowing you to move forward and begin rebuilding your credit profile.

Credit Bureau Reports

Understanding your credit report is an important part of managing your financial health. We assist you in obtaining and reviewing your credit bureau report to identify accounts, payment history, arrears, defaults, judgements and other information that may affect your credit profile.
We help you understand what your report means and provide guidance on the appropriate steps to improve and manage your credit profile.

Financial Literacy Sessions

Our Financial Literacy Sessions are designed to empower individuals, employees, youth, and communities with the knowledge and skills needed to make informed financial decisions.
Topics include budgeting, saving, responsible credit use, debt management, credit scores and building long-term financial wellness. Our practical, easy-to-understand sessions help participants develop healthy money habits and take control of their financial future.
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