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Welcome to the Zero Debt Blog, your go-to resource for expert insights on navigating the complexities of debt. Our informative articles cover a range of topics, from practical tips for effective debt consolidation and counselling to strategies for achieving financial freedom. Whether you’re looking for guidance on debt solutions, seeking to understand the nuances of debt review, or aiming to make informed decisions about your financial well-being, our blog is here to empower you. Stay informed, stay empowered, and join us on the path to a debt-free life.

why-just-one-missed-payment-could-cost-you-everything
Why ‘Just One Missed Payment’ Could Cost You Everything
We’ve all been there: payday’s late, petrol’s gone up (again) and the debit order bounces. It’s just one missed payment, right? You’ll catch it up next month. No big deal. Except… it can be. That one missed payment could be the trigger that sets off a chain reaction – late fees, interest hikes, blacklisting or […]
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why-interest-alone-can-keep-you-in-debt-forever-how-to-break-the-cycle
Why Interest Alone Can Keep You in Debt Forever & How to Break the Cycle
If it feels like you’re throwing money at your debt every month but getting nowhere, you’re not imagining things. For thousands of South Africans, interest charges on loans and credit cards are growing faster than their repayments. If this sounds like your situation, it’s time to understand what debt review is in South Africa and […]
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a-smart-guide-to-selecting-the-right-debt-settlement-partner
A Smart Guide to Selecting the Right Debt Settlement Partner
At Zero Debt, we understand just how personal and stressful the debt counselling journey can feel. You’re not just dealing with numbers,  you’re navigating sleepless nights, tense conversations and the pressure of making ends meet. That’s why choosing the right debt settlement partner is one of the most important financial decisions you’ll ever make. The […]
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the-dangers-of-debt-review-removal-scams
The Dangers of Debt Review Removal Scams
Debt review can be life-changing when you’re drowning in repayments. It gives you structure, legal protection and room to breathe. But unfortunately, when times are tough, the promise of a “quick fix” can seem pretty tempting – and that’s exactly what scammers are banking on. Today, we are chatting about the shady world of debt […]
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questions-asked-regarding-debt-review-and-debt-counselling
Questions Asked Regarding Debt Review and Debt Counselling
Navigating debt lifelines can be confusing, especially when you encounter terms like debt review, debt counselling, and debt consolidation. That’s why we’ve gathered answers to the questions many South Africans have about these processes to provide clarity and guide you towards a solution. 1. What is debt review? Debt review is a formal process where […]
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how-to-determine-if-you-might-be-over-indebted-and-require-debt-review
How to Determine If You Might Be Over-Indebted and Require Debt Review
How to Determine If You Might Be Over-Indebted and Require Debt Review Debt can work in your favour when handled strategically, but once it starts piling up, it can quickly become a serious source of chest pains and sleepless nights. If your monthly budget feels more like a juggling act than a plan, you’re not […]
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exiting-debt-review-legitimate-paths-vs.-scams
Exiting Debt Review: Legitimate Paths vs. Scams
Exiting Debt Review: Legitimate Paths vs. Scams The legal process for debt review removal in South Africa is structured around distinct stages, particularly concerning the repayment status of all debts, excluding your home loan. Below, Zero Debt’s debt counsellors break down what the process entails under two different circumstances: after settling your outstanding debt and […]
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everything-you-need-to-know-about-debt-review-in-south-africa
Everything You Need to Know About Debt Review in South Africa
Everything You Need to Know About Debt Review in South Africa Debt can feel overwhelming, especially when repayments become unmanageable. If you’re struggling with debt, know that you’re not alone. Approximately 10 million South Africans reportedly struggled to repay their debts in 2024, being at least three months behind on payments or facing legal action. […]
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a-simple-guide-to-getting-out-of-debt
A Simple Guide to Getting Out of Debt
A Simple Guide to Getting Out of Debt Getting out of debt can feel like an impossible challenge, but it’s more achievable than you might think. Whether you have credit card balances, student loans, or personal loans, it’s important to remember that with the right approach, you can regain control of your finances and break […]
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