Debt Counselling
“Your Debt is not the Issue but how you handle it, is!......” Precious Toju, Esq.
Borrowing money, whether from financial institutions or individuals is a common part of life and business.
The reality is that finance companies exist to provide loans, and borrowing is essential for their operations. So, don’t stress over your current debt status; it’s more common than you think.
Whether it’s to navigate tough financial times or achieve a long-term goal, borrowing happens, debts are incurred, and they must eventually be repaid.
As a Debt Recovery Expert, I understand that things don’t always go as planned, and debts can spiral out of control.
That’s why my Debt Counselling Session (DCS) is designed to guide you step by step toward paying off either your personal or business debts with ease, to achieve complete financial freedom.
When it comes to debt recovery, there are two sides
“Debt Recovery to a Creditor is to get paid all that he is owed, while Debt Recovery to a Debtor is to pay all that he owes.”
As a Debt Recovery Counsellor, my duty to you is to ensure that you also recover from being a debtor.
And that is the promise my DCS will deliver to you!
About the Debt Counselling Session
The Debt Counselling Session (DCS) is a private, confidential session where we’ll analyze your debt challenges, exposures, and credit risk.
Together, we’ll create a debt restructuring plan tailored to you, using my WOFA Strategy (Workable, Feasible, and Achievable) repayment solutions.
Many factors influence a solid debt repayment plan, but stress and pressure often prevent debtors from seeing them.
During the session, I’ll guide you through these critical factors to ensure you overcome your debt challenges with ease and confidence.”
Knowing you, Precious Toju, and the team, I found peace of mind. I really appreciate you and your team. I would have suffered from stress and died of heart attack during my trying times when I was owing the bank, if not for you. Keep up the good work. Thank you and God bless you for all you do.
Mr. Raji Babajide
CEO, Minitraj Global Concept
Benefits of Booking a Debt Counselling Session (DCS) with Me:
Soft Landing with your Creditor
I’ll notify your creditors that you’re in a DCS and request time for you to create a Debt Repayment Plan. This one-off service gives you peace of mind and breathing space to think well and reorganize your finances.
Soft Landing with your Creditor
We will prioritize essential expenses before allocating funds for debt repayment.
Smart Financial Planning
I will show you how to budget, cut costs, and save effectively to repay debts without overextending yourself.
Proven Strategies to help you
→ Develop a repayment plan with my WOFA Strategy. → Negotiate reduced interest rates and fees using my CAT Formula. → Avoid drastic measures like bankruptcy and debt recovery escalation processes. This session will take you from overwhelmed to being in control, with clear, actionable steps to manage and overcome debt.
Madam, you truly are a beauty with brains!
May God continue to bless you beyond your expectations!
Thanks to your platform, I am now debt-free and safe from the harassment of loan apps.
I will forever be grateful to you.
Thank you so much!
CEO, Hafason Chemicals
In summary, this is what I will do:
1. Provide Legal Protection (one-off)
2. Review your financial situation
3. Assess the complexity of your debts,
4. Offer guidance using my WOFA & CAT formulas,
5. Draw out a Debt Repayment Plan with you, and
6. Show you on how to Pay your Debt with Ease.
Do You Have Debt Holding You Back?
Are you drowning in debt and feeling overwhelmed?
Why struggle alone when I can guide you on a straightforward and peaceful path to freedom?
Imagine the relief of having a soft landing, mental peace, and financial control while steadily working toward paying off your debts.
Picture living a normal life, and running your business free from harassment, heartbreak, and the weight of debt.
With my Debt Counselling Session (DCS), you’ll gain the tools to manage your finances effectively and work toward debt freedom.
What’s included in the Debt Counselling Session (DCS)?
Stage One: Debt Assessment & Analysis
During this stage, we will have a comprehensive evaluation of your debt, income, explore debt restructuring options and select the best fit for your situation.
Stage Two: Creating Your Debt Repayment Plan:
At this second stage, I will develop a customized repayment plan for you, using my WOFA Strategy.
This will help avoid escalation, public embarrassment, and your mental stress.
Stage Three: Presenting Your Plan to Creditors
Then, I will show you how to approach your creditors with my CAT Formula, negotiate for acceptance and favourable terms.
That is not all, you will also get to enjoy 10 days of post-counseling follow-up, to keep you on track.
Here’s a summary of what your Debt Counselling Journey will cover:
➤ Debt Information & Assessment
➤ Restructuring Options & Repayment Plans
➤ Funding Channels & Negotiation Strategies
➤ Credit Repair & Financial Relief
Duration – 90 Minutes (1 hour 30 minutes)
Fee – $250
Availability: 4 slots monthly
How to book;
➤ CLICK HERE to make payment and fill our debt assessment form to fill,
➤ Once we have received your form, we will send you 3 dates and timing to choose for the Debt Counselling Session (DSC), this is to give you options to choose the date and time that is most convenient for you, because I need you well relaxed, emotionally and mentally ready for the DCS.
➤ Upon agreement on the date and time that is most convenient for both of us, I will;
→ Send a letter to your Creditor for a soft landing
→ Officially hold the Debt Counselling Session with you
One thing my clients love about me is having a well-defined structure for everything I do and also being crystal clear from the very start.
I mean, there are a lot of issues already on ground, no need to make things more complex, right?
Besides, my end goal is for my clients to always be better than when they came to me at first, so in order for us to achieve this, kindly read the terms and conditions for the DSC so that we can both be on the same page!
Ts and Cs for the DCS;
1. Please note that Debt Counselling Session covers for only three (3) Creditors, in other words; where you have multiple debt that is more than 3, then extra fees will be applicable especially when I will have to personally write your Creditor(s)
2. My Debt Counseling Session is only available for people or businesses owing from $5,000 or its equivalent in any currency of your country of residence or business.
3. The Debt Counselling Session is strictly a virtual service and sessions are done either via Zoom, Google meet or any other agreeable virtual platform
4. Creditors letters are also sent virtually or electronically, if you want a physical delivery you will have to take care of the cost attached to it
Now that we are on the same page
Are you ready to pay your debt with ease using my WOFA Strategy and CAT Formula?
Then Book for your Debt Counselling Session right away.
And let’s start your journey to financial freedom, already.
Can you continue to represent me till I offset my debts after the DCS?
As much as I would love too, unfortunately I cannot under the Debt Counselling Session (DCS), but I can if you officially retain our Law Firm to do that for you.
In this instance, our Law Firm will represent you throughout the debt repayment process till whenever you off set your debts (Ts & Cs Apply).
We can talk more about this during the DSC
My debt is not up to N5M or its equivalent in the currency of my jurisdiction, what other option do you have for me?
Are you owing a debt less $5,000?
Don’t worry I have got you covered
You can take my Debt Management Course
” Debt-Free Journey: Mastering the Art of Easy Debt Repayment”
It is a self-paced + community support
What is the major difference between the Debt Counselling Session (DCS) & the Debt Management Course (DFJ)
Brilliant Question!
The DSC is a done-for-you strategy on how to manage, strategize and pay off your Creditor(s)
- While the Debt Management Course (DMC) shows you how to do it all by yourself, meaning that the DFJ is a D.I.Y program.
- Also, the DSC is an exclusive one-on-one with me, while the DFJ is an online course with community support.
- Finally, don’t forget that under the DSC, I will personally write your Creditor(s) to give you a breathing space and soft landing before the DSC, but you do not get to enjoy that privilege under the DFJ program.
Can I still join the DFJ course after the DSC?
Absolutely!
In fact, I will highly recommend that you do, because being in a community with like minds and people with similar situation as yours will give you A LOT of hope and relief
Do you have more questions?
Please send them to hello@precioustoju.com
I look forward to working with you and welcoming you into the Debt-Free Gang!
Cheers!