Zero Debt - Leading Debt Solutions in South Africa

Take your first step to becoming debt-free

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Monthly Reduction

ItemOld PaymentNew PaymentReduction
Property BondR 5,245.25 p/mR 3,933.94 p/mR 1,311.31 p/m
Vehicle FinanceR 3,519.25 p/mR 2,510.68 p/mR 1,008.57 p/m
Unsecured DebtR 11,168.25 p/mR 3,390.50 p/mR 7,777.75 p/m
TotalR 19,932.75 p/mR 9,835.12 p/mR 10,097.63 p/m
Item Old Payment
Property Bond R 5,245.25 p/m
Vehicle Finance R 3,519.25 p/m
Unsecured Debt R 11,168.25 p/m
Total R 19,932.75 p/m
Item New Payment
Property Bond R 3,933.94 p/m
Vehicle Finance R 2,510.68 p/m
Unsecured Debt R 3,390.50 p/m
Total R 9,835.12 p/m
Item Reduction
Property Bond R 1,311.31 p/m
Vehicle Finance R 1,008.57 p/m
Unsecured Debt R 7,777.75 p/m
Total R 10,097.63 p/m

What is Debt Review?

Zero Debt is here to help you understand the meaning of debt review and provide qualified debt help services. If you are over-indebted and falling behind with your debt repayments, a review of your debts can protect your assets by arranging a structured, affordable repayment plan for your outstanding debt.

Debt review companies like Zero Debt will evaluate all your debt so that you only have to make one monthly payment with reduced interest rates, based on your circumstances. This debt protection forms part of the National Credit Act. Credit providers cannot take legal action against you if you go under debt review. This means that aside from the protection of your assets, you will also end up paying less for your debt on a monthly basis. All fees will be included in your reduced monthly payment.

Make the smart choice and request a call back today.

Contact Zero Debt today. We CAN help you!

Our process is simple and aimed at transitioning you out of debt in a straightforward and effortless way. We assist our clients with debt review and develop a repayment plan that is affordable and easy to maintain for the remaining repayment period without additional financial strain.

We provide immediate relief from your financial struggles by providing an affordable monthly repayment plan along with reduced interest rates. We negotiate reduced interest rates of up to 100% from your credit providers, thereby lowering your overall repayment amount.


Request a free call back

Complete the free “Request callback” form and one of our friendly debt review consultants will contact you to do an obligation free assessment.


Review Application

We review and evaluate your information to determine whether you qualify for debt help services.


Notify Creditors

Once you have begun the debt review process, we will notify all your credit providers and the Credit Bureaus, and they may no longer contact you directly.


Negotiate Repayment

Your monthly instalments are negotiated with your credit providers and structured into one affordable monthly repayment amount based on your current living expenses.


Get a Court Order

Our debt review specialist attorneys will obtain a court order that will protect you against your credit providers and simultaneously legally reduce your interest rates.

Why Zero Debt?

98% of Our Debt Review Customers Left Satisfied

When it comes to service, clients are quick to complain and never compliment. I would like to say thank you to Jamiela for assisting me on behalf of my husband. She went above and beyond and kept to her promise that she would call me back after 1:30pm.  Thank you for your awesome telephone etiquette and also for listening to me and not disrupting me when I was explaining the situation to you. I felt valued, respected and your kind ways assisted me in not feeling so stressed out and about to cry cause I was not seeing the light today. I love the way you handled my query and the way you treated me.

Great Service, Keep up the good work.

~ Jamiela Sapat

I would like to complement the service and excellent follow up done by Leilani Kruger. It's been a short but pleasant journey and I really appreciate all that was done. I can by all means recommend the company to anyone that needs their assistance. Well Done!

~ O’Niel Gerber

I highly recommend this company, they explain everything to you properly, they always respond to emails and always take and return my calls. They have made this process hassle free, you hear so many horror stories about debt review companies, but this one is the real deal. Myself and my spouse made it through this pandemic and a reduced income thanks to you.

~ Chanelle Koopman

Thank you very much Leilani Kruger for all your help and support during my debt review time. You were excellent and always ready to return my calls and emails. Thank you for making my debt review journey pleasant and stress free. ZeroDebt is highly recommended!!.

~ Carika van der Merwe

I would like to take this opportunity to thank Jacky Lakay for an outstanding service.
Last month I called in and I was referred to her to assistance. She took time to assistance me and also went an extra-mile to look for an attorney that will assist me with the Court-order.
She also kept on the loop with regards to the process and kept on sending me other contacts of attorneys that can assist me.
Today I am smiling and feeling grateful all because of Jacky, I have being taking anti-depressant medication because of this and today I feel so free and happy and I can't wait to go to my DR for an assessment because I believe I am already healed as I was suffering with quite a lot of stress.
Jacky please continue making the difference in our lives. Yes this compliment might mean nothing to anyone but it means a lot from someone like me that you helped . Yes it cannot be money but the Power is in the words Jacky. May God bless you with everything that your heart desires and may God protect you and your family against this Pandemic and May he also Bless the Company that you are working for.. Increase the sales performance and client base.
Zero DEBT you are the best and I will continue spreading the word all over all because of your world class service

~ Reitumetse Itholeng

I've learned my most valuable lesson in life not to engage in reckless credit or so, I will always be a friend to debt review as they have taken me to greater heights in life by saving my character life and reputation which was collapsing faster than I have known. I will highly recommend Zero Debt to those who are prey to others. Their team continue to help those who are in dire need and distress financially, may God extend your journey to greater heights. I'm feeling happier than happy today, tomorrow, so as everyday, in harmony and unity we all are, zeeeerrrooooooo debts!

~ Siphamandla Matonosana

The level of service I have received has been outstanding over the past few weeks. Thank you for assisting me with this process and allowing me to gain control over my finances. It is a great feeling to now be debt free and to remain so going forward.

~ Venessa Visser

Good day Tambu,

Herewith I would like to take the opportunity in thanking you for assisting us in updating my husband's profile. With every single query I had, you were quick on response and always friendly.

It is not every day that you get quick service, and therefore I really want to thank you for all your assistance. Every time we had a query, I had peace of mind that you are attending to it and within a few moments I already received a response.

You are a star.

~ Henning Pienaar

I have been dealing with Zero Debt since November 2015 and have had no problems. I get a statement monthly from the NPDA to confirm the payments made etc. I am sure they can assist you. I have copied them in for your reference. I never deal with any creditor. They are prompt and always report back.

~ Daleen (Elizabeth) Vuyk

Kan nie beskryf hoe dankbaar ek is dat ek by Zero Debt aangesluit het nie. Aan die einde van hierdie jaar maak ek klaar met my skuld en kan dan weer asemhaal. My broer kry baie swaar op hierdie stadium met uitstaande skulde en ek het gewonder of Zero Debt hul ook sal kan help.

Hoor graag van u.

~ Annelie Mans

I want to thank you for assisting in my rehabilitation.

It was a scary time for me 5 years ago when it came to a point where I needed to make a plan to get out of debt. I Googled to see what I could do and came across a website for debt review. Grateful today that I went with Zero Debt as you have hundreds of debt counsellors these days. They made me feel at ease and assured me they will take care of my financial situation. They did all the work and I just had to sign the documents and the ball was on the roll.

During the 5 years I needed to find out where I stand and how I can get more financial freedom and they assisted immediately. If you go to them with a problem they sort it out immediately. No hassle. You feel like the only client when you deal with them.

I am debt free today and I feel like a mountain was taken off my shoulders thanks to Debt Review.

Do not look at any other debt counsellor, go directly to Zero Debt.

~ Theo Kleinhans

I just want to thank you for the speedy feedback and assistance. I was honestly scared that I would be turned down, however silly the thought may seem, Zero Debt really came through for me.

This is most impressive service. I cannot get over the fact that the service is so good. This is honestly the first time I have actually been assisted like this.

I cannot begin to describe how much it means to me. Thank you a million times over. I will be spreading the news of my phenomenal experience with Zero Debt's service.

May all of you be blessed.

~ Ezelde Grobler

I would like to thank everyone from your team who helped me to become a person I am today with my financial life, especially Chris for helping from day one when I was really feeling weak. Thanks again for your time and help.

~ Gabisilele Zungu

Good day,

I would like to say thank you to Natasha Olivier for a job well done. She has been so helpful throughout out my debt review process. Which is usually a very uncomfortable process. I have dealt with a few consultants from your organisation, but Natasha has exceeded my expectations. She is truly a valuable asset to your organisation. lf more people could be like this our customer service experience would be so much better.

She is always willing to assist and her friendly nature and speedy responses made my experience pleasurable.

Thank you Natasha for all your help great work and thank you for making this process so pleasant. I really do appreciate all your assistance.

~ Nawaal Allie

We are totally over the moon and relieved that all our accounts are ZERO!!!
All the grey hairs are still there but no more debts.

~ Gaston Thurston Williams & Colleen Patricia Williams


You qualify for debt review if you are over-indebted. This means you are struggling with your debt repayments and have fallen behind or are at risk of falling behind. You also need to be earning a monthly income – you will not qualify if you are unemployed. You can submit a debt review application even if you are blacklisted, or if you have a bad credit record.

You should consider debt review if you are unable to pay off your debt repayments, whether now or in the immediate future. By going under debt review you will ensure the protection of your assets and avoid legal action by your credit providers. Debt help services can reduce your repayments and your interest rates, making your financial situation more manageable.

The exact costs will depend on the type of debt you have and your monthly repayment amount; however, you will incur debt counselling fees and legal fees. Both the debt counselling fees and legal fees are incorporated into your debt restructuring plan, which means that you will not need to pay any additional/upfront fees in order for your debt review application to be processed. The debt counselling fees we charge are regulated by the National Credit Regulator (NCR) and should be the same regardless of which registered debt review company you use. Legal fees are also determined based on the type of debt that you have and your monthly repayment amount.

No, you will never have to attend any court proceedings while seeking debt review services. Our nominated attorneys will obtain the court order for you, and the legal fees relating to the court order are included in your reduced monthly debt repayment amount.

You will not qualify for a consolidation loan with any financial services provider if you are over-indebted. If your current debt status is that you are over-indebted, you do not have the option of a consolidation loan. The only realistic and affordable way to prevent you from losing your assets is to seek debt help services from a debt review company. Our debt review process can offer you immediate asset protection as per the National Credit Act and set you on a course of recovery from debt problems by reviewing your debts and consolidating them into one affordable monthly repayment, reducing your monthly debt repayments and interest rates and clearing your credit record after you have fulfilled your restructured debt obligations.

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