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Sheltered Debt Counselling
Your Trusted Debt Relief Partner
Are you struggling with overwhelming debt? At Sheltered Debt Counselling, we offer professional debt counselling services to help South Africans regain financial stability. As registered debt counsellors, we work with your creditors to reduce interest rates and restructure your repayments, making your financial obligations more manageable.
We are registered debt counsellors offering debt counselling services to all South Africans.
If you are over-indebted, a debt counsellor can negotiate with your credit providers on your behalf to get lower interest rates and reduced monthly instalments. This makes your debt more manageable and teaches you accountability.
Debt review is the process of assessing a client’s existing debt and implementing a revised debt repayment plan with the credit providers in accordance with the National Credit Act.
Let Us Contact You!
DEBT COUNSELLING
Start your debt-free journey
Step 1
Submit your details to SDC for a FREE debt assessment.
Step 2
Apply for debt review to protect your assets from repossession.
Step 3
Lower your monthly debt repayments by up to 50%.
- Your income, i.e. your salary advice/payslip
- Your bank statement mot older than 6 months
- Your household expenses
- Your ID copy
Required document:
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Required documents
Essential Paperwork Needed to Begin Your Debt Counselling Process.
- Your income, i.e. your salary advice/payslip
- Bank statement not older than 6 months
- Your household expenses
- Your ID copy
What are the benefits of Debt Review?
- You pay only one reduced affordable monthly instalment.
- We negotiate with your creditors for an affordable repayment.
- Your interest rate is reduced.
- When you are in debt counselling, creditors cannot take legal action against you.
- There is only one monthly repayment to be made.
- Your budget will meet your basic needs first before provision is made for debts
- A debt counsellor will suggest ways of cutting costs and saving money
- Credit Providers cannot repossess your assets (home or car) if there is no legal action (summons) against you.
Struggling with Debt? We Can Help!
Frequently Asked Questions
Debt counselling is a legal process designed to help over-indebted consumers reduce their monthly debt repayments by negotiating with creditors for lower interest rates and affordable repayment plans. It also provides legal protection against creditor harassment and repossession while ensuring you can meet your essential living expenses.
If you are struggling to pay your monthly debt repayments and find yourself falling behind on payments, you may qualify for debt counselling. Our registered debt counsellors will assess your financial situation to determine if you are over-indebted.
No, debt counselling is not the same as being blacklisted. However, while under debt review, you cannot take on new credit until you have completed the process and settled your debts. Once finished, you will receive a clearance certificate, and your credit record will be restored.
The duration of debt counselling depends on the amount of debt you have and how much you can afford to pay each month. On average, it takes between 36 to 60 months to complete the process, but this varies based on individual circumstances.
No, once you are under debt review, your creditors cannot take legal action against you or repossess your assets, provided there is no existing court judgment or summons against you before applying for debt counselling.
Yes, you can exit debt counselling if you settle all your debts (excluding long-term debts like home loans) or if a court declares that you are no longer over-indebted. Once completed, you will receive a debt clearance certificate.
Yes, you can exit debt counselling if you settle all your debts (excluding long-term debts like home loans) or if a court declares that you are no longer over-indebted. Once completed, you will receive a debt clearance certificate.
Yes, your home and car are protected from repossession as long as you continue making the agreed payments under the debt counselling process and no legal action was taken before you applied.
Once you have fully repaid your debts under the debt review plan, we will issue a debt clearance certificate, and the credit bureaus will update your credit record, allowing you to apply for credit again if needed.
Getting started is easy! Contact us today for a FREE consultation, and our registered debt counsellors will assess your situation and guide you through the next steps.
Debt Counselling
Apply for a debt review with Sheltered Debt Counselling
Our team of experts negotiates the lowest interest rates on your behalf, allowing you to repay your debt while saving money. At the end of the process, your credit profile will be restored.
You can begin your debt reduction plan today. Debt Review will help you establish your budget and settle your debts under the National Credit.
