Frequently asked questions (FAQs)

  • ChapterTwo is here to help. We are there with you every step of the way; always offering support, advice and relieving you of stress as we bring you out of your debt cycle. We will look to freeze your interest, we will give you more time to pay your debt, and we will negotiate with your creditors for a reduced final settlement.

    ChapterTwo can negotiate an informal arrangement for most unsecured debts based on a pro-rata distribution of your available income, after any priority debts or essential household spending is taken into account. If you can identify any of these outstanding debts, you should contact ChapterTwo immediately:

    – Credit cards
    – Unsecured or personal loans
    – Store cards
    – Debt owed after repossession
    – Disconnected utility bills
    – Phone bills
    – Accounts in collections.