Speak to our Debt-Free Advisors to get started.
4.9
Based on 620 reviews
Patience Manzombe
DebtFree Consultant
Natasha Olivier
DebtFree Consultant
Masetshaba Morokane
DebtFree Consultant
Elizabeth Mokgata
DebtFree Consultant
Dorcas Ndlovu
DebtFree Consultant
Martha Mugwagwa
DebtFree Consultant
Leilani Kruger
DebtFree Consultant
Willem van Eeden
DebtFree Consultant
Rochelle Rossouw
DebtFree Consultant
Bongie Zali-Jack
DebtFree Consultant
HOW DOES ZERODEBT REDUCE YOUR DEBT?
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WE REDUCE INTEREST RATES
One of the biggest benefits of debt review is that your debt counsellor negotiates with your creditors to reduce the interest rates on your outstanding debts. In many cases, high-interest debts like credit cards, personal loans, or store accounts can be brought down significantly. This means you pay less interest overall, making it easier to settle your debts faster and more affordably.
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WE OFFER LEGAL PROTECTION
Debt review is a legal process under the National Credit Act. This means once you’re accepted into the program, you’re protected from legal action like repossession or garnishee orders (salary deductions) — as long as you stick to the agreed repayment plan. Your debt counsellor also applies to the court to make your new repayment plan legally binding.
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WE STOP HARASSMENT
Once you are under debt review, creditors and debt collectors are legally not allowed to contact or harass you for payments. Your debt counsellor becomes the point of contact, and all communication goes through them. This gives you peace of mind and freedom from threatening calls, SMSs, or emails demanding payment.
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WE REDUCE MONTHLY DEBT REPAYMENTS
Debt review helps you combine all your debts into one affordable monthly repayment based on what you can realistically afford. A registered debt counsellor works with your creditors to negotiate lower interest rates and extended payment terms, so your monthly financial burden is reduced. This gives you breathing room and helps you cover your living expenses without falling behind.
ZeroDebt Process
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
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
Your monthly instalments are negotiated with your credit providers and structured into one affordable monthly repayment amount based on your current living expenses.
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.
Tools & Resources
4.9
Based on 620 reviews
Client Testimonials
98% Of Our Customers Left Satisfied
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Margaret Swartz
Thank you Alicia for you kindness, help and never showing Ang kind of irritation, but rather patient and ever willing to help. Thank you do much you...
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Yolande Bekker
Willem was awesome. Although I was not a client he assist me and gave me great advise. Thank you Willem. Wish there can be more people like that.
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Suenette Witbooi
Good day I have had a good experience dealing with Willem from Zero Debt. He is kind, understanding compassionate and his work is of outstanding...
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Sifiso Hadebe
Dear Zero Debt Team, I am writing to express my sincere gratitude for your assistance in removing me from debt review. This has been a crucial step...
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Mohamed Razak Singh
Leilani is an excellent consultant. She was extremely knowledgeable on the service provided to me, and we kept in regular contact via WhatsApp and...
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Nana Christine Cindy Banda
I am happy to say ZeroDebt help me to overcome sleepless nights and now I am debt free. Thank you ZeroDebt for your help. You came to my rescue.
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Yolande Bekker
Willem was awesome. Although I was not a client he assist me and gave me great advise. Thank you Willem. Wish there can be more people like that.
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Tshepang Tzozo
To : Tambu Sakutukwa Thank you so much for your help, I really appreciate your support, I can not done it without you, You are a lifesaver, I'm...
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Zaid Baderoen
Zero Debt you have a gem, Willem is amazing. I recieved a visit from a debt collector yesterday insisting that i acknowledge the debt and to sign...
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Jean Cash
I would just like to Commend Walter Adonis for his amazing assistance with assisting me with all my queries he was always happy to assist and was...
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Margaret Swartz
Thank you Alicia for you kindness, help and never showing Ang kind of irritation, but rather patient and ever willing to help. Thank you do much you...
-
Yolande Bekker
Willem was awesome. Although I was not a client he assist me and gave me great advise. Thank you Willem. Wish there can be more people like that.
-
Suenette Witbooi
Good day I have had a good experience dealing with Willem from Zero Debt. He is kind, understanding compassionate and his work is of outstanding...
-
Sifiso Hadebe
Dear Zero Debt Team, I am writing to express my sincere gratitude for your assistance in removing me from debt review. This has been a crucial step...
-
Mohamed Razak Singh
Leilani is an excellent consultant. She was extremely knowledgeable on the service provided to me, and we kept in regular contact via WhatsApp and...
-
Nana Christine Cindy Banda
I am happy to say ZeroDebt help me to overcome sleepless nights and now I am debt free. Thank you ZeroDebt for your help. You came to my rescue.
-
Yolande Bekker
Willem was awesome. Although I was not a client he assist me and gave me great advise. Thank you Willem. Wish there can be more people like that.
-
Tshepang Tzozo
To : Tambu Sakutukwa Thank you so much for your help, I really appreciate your support, I can not done it without you, You are a lifesaver, I'm...
-
Zaid Baderoen
Zero Debt you have a gem, Willem is amazing. I recieved a visit from a debt collector yesterday insisting that i acknowledge the debt and to sign...
-
Jean Cash
I would just like to Commend Walter Adonis for his amazing assistance with assisting me with all my queries he was always happy to assist and was...
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