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Expert Debt Solutions in South Africa
Debt Review
If you are over-indebted, our registered debt counsellors will negotiate with your creditors to reduce interest rates and monthly payments. Our debt review process ensures legal protection, helping you avoid repossession and harassment while working towards financial freedom..
Struggling with debt?
Take control of your finances today! Contact us to learn more about Debt Review and start your journey to financial freedom.
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.
