Do I need to go to court?

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.

We’ll Create A Debt Consolidation Plan To Ease Your Financial Burdens

Consolidate your debt into affordable monthly payments at reduced interest rates with our debt help services

Speak to our Debt-Free Advisors to get started.

4.9

Based on 740 reviews

087 701 9665

(TOLL FREE)

What is Debt Consolidation?

Debt consolidation is the process whereby we consolidate all your debt owed to multiple credit providers into a single debt repayment at reduced interest rates. Instead of paying multiple credit providers, you now only have to make one reduced monthly repayment for all your debt. As part of our free debt assessment, we will work with you so that you pay only the minimum amount required by your credit providers, thereby reducing your monthly debt obligations and freeing up cash to maintain your quality of life.

Make the smart choice and request a callback today.

Potential Savings After Debt Consolidation

How much can you save?

Budget calculator uses data from the last 5 years average from our database to work out the estimated monthly savings on debt repayments. These are estimates and real results may vary.

New Home Loan

R7,125/pm

New Vehicle Finance

R3,312/pm

New Credit Card

R2,670/pm

New Other

R2,500/pm

Potential Saving Scenario

Total Payments

R28,000

Negotiated New Payments

R15,607

Percentage Decrease

57%

Monthly Savings

R12,393

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.

Why ZeroDebt?

ZeroDebt is one of the leading debt consolidation companies in South Africa!

As trusted debt consolidation service providers, we protect your assets from repossession by credit providers.

We get all your debt repayments consolidated, so you pay a lot less every month.

You determine what you can afford & retain sufficient funds for your living expenses.

We’ll also reduce all your current interest rates!

Free no-obligation debt consolidation assessments by our experienced consultants.

We can help you even if you are over-indebted, blacklisted or have a bad credit record.

We are fully compliant with the National Credit Act and registered at the NCR.

4.9

Based on 740 reviews

Client Testimonials

98% Of Our Customers Left Satisfied

T Y

5

I give Elizabeth a 11/10 such amazing communication and understanding of what I'm wanting to do thank you so much highly recommend dealing with her...
Z

Zane

5

I am very impressed with the service I got from Zero Debt from Masetshaba, Thank you so much🙏🏻
Consuwella Kgothatso

5

All I can say is they are very proactive, I would recommend them to anyone who needs financial relief. I had such a great journey and thank you.
Clarke Carelse

5

Ek was op my laagste en hier heel aan die einde stuur GOD se aardsengel Illse Rheeders en haar flukse span Zero Debt dat hulle my kan help om al my...
Y

Yolande D

5

A huge thank you to Masetshaba for her friendlyness and wonderful assistance. I was very nervous but she calmed me from the word go
Serenity

5

I had a wonderful experience. The consultants were so polite and helped me. Alicia helped me so much. She is very kind. She made me fill secure.
T

Thiru N

5

I would like to highly compliment ZeroDebt and their most amazing consultant Willem. I was shown such understanding and care which surprised me. I...
Njanduna

5

I thank to Willem who helped me with my questions nicely and professional service,he explained everything to me I'm satisfied,I appreciate very much.
Jonay Cloete

5

I contact zero debt and was helped by Willem. He was helpful and friendly. Thank you for having Willem on your team.
L

Lehlohonolo

5

Great service overall. I would like to thank Martha for delivering a good service to me she's so friendly and patient and also her response time was...
Prudence Passenz

5

My service that Marta gave me was more then 5 stars she help my colleagues without even blinking her eye just want to say thenk you very much Marta...
Nomad _Ghost952

5

They are the best there are. Help me threw the dept review and handled all the problems that came our way. The are awesome. Walter was the best hulp...

Blade Honor

5

Willem helped me with all questions patiently, professionally and efficiently. The best service I had in a very long time from a company. And the...
V

Vukani

5

I had the pleasure of dealing with Bongie and found her to be exceptionally professional. She is incredibly patient, knowledgeable, and has a great...
J

John S

5

I received great help from Natasha from Zero Debt . She is a well behaved professional lady who helped me in so many ways to break down a debt...
G

Gcobisa S

5

Bongie handled my request for help with so much patience and professionalism, taking time to ensure I understand the whole process.
R

Robyne H

5

I spoke to Natasha. She is very helpful and assisted me with the entire process of applying. Very patient as well. She answered all questions that I...
Juan Botha

5

From the start of my journey to the end I had only the best team to assist me. Always friendly when I phoned and had questions, they have asissted...
M

Mafotha M

5

I really appreciate the professional help I received from Zerodebt..I have financial freedom now with the help from Tambu, Anthea,Jacky and everyone...
Sadiyya Sheik

5

Willem provided exceptional support and he is very efficient,he answered all my questions with out any delay . I truly appreciate his dedication and...
Thiru Naidu

5

I would like to extend my sincere thanks to Wilhem who helped me through this stressful process. He communicated all that I needed to do while...
Xoliswa Jwani

5

Molweni ndithanda ukubonga u sisi Pumza Nohashi, umsebenzi wakho omhle always encourage, guide be to stay strong on this journey today am about to...
S

Schai

5

Everything was explained to me in detail from the very start. I dealt with Natasha, Phumza and Jennifer mostly and received the best services from...
L

Lance O

5

Masetshaba, thanks for your patience, understanding and you very helpful and answered all my questions and brought clarity to me ,I appreciate it
F

FaranaazAfrica

5

Rochelle Rossouw was excellent with everything she helped me with. Making sure that I as a client gets the best. Thank you Rochelle Rossouw of Zero...
Marie Louise Grobler

5

Thank you Willem for your efficiency, patience and helpful advice in a time when one has no one else to turn to.
S

Suann W

5

Thank you, Rochelle, for your kindess and understanding. Your patience and willingness to assist with anything I asked. Makes me feel so much more at...

Frequently Asked Questions

How do I apply for debt consolidation if I am married in community of property?

Debt consolidation companies require you to submit a joint debt consolidation application with your spouse if you are married in community of property. We cannot process a single application if you are married in community of property and both of you will need to enter the debt consolidation process.

Some companies claim that they can reduce debt repayments by 60% or even 70%. Can you do the same for me?

The extent to which we can reduce your monthly debt repayment amounts depends on your type of debt. No one can reduce the interest rates on property bonds and vehicle finance to the extent that it would result in a 60% reduction in the debt repayment amount. On unsecured loans, however, it is possible. If your debt consists of only unsecured loans, we can do the same for you. However, if you also have a bond or vehicle finance, no one will be able to reduce your debt repayments by more than 60%. Do not trust any company claiming to be able to do so.

Can I apply for debt consolidation if I am unemployed?

You need a monthly income in order for us to propose a reduced debt repayment plan to your credit providers. Therefore, you will not qualify for debt consolidation if you are currently unemployed. We suggest that you find a new job and then contact us for assistance with your debt if you are still over-indebted.

Am I over-indebted?

Are you struggling to repay your debt? Have you fallen behind on your scheduled debt repayments, or are you at risk of falling behind in the immediate future? These are signs that, in all likelihood, you are over-indebted. Once a credit provider commences legal action, there is a risk that the particular debt cannot be included in your debt restructuring plan. Why stress and lose sleep any longer? Request a callback and our debt consolidation team can start completing your free debt assessment today!

What do I tell my creditors when they contact me?

If you decide to apply for debt consolidation, we will contact all your credit providers to inform them of your new credit status. If any of your credit providers or even their debt collectors contact you, you can simply refer them to your debt consolidation consultant. They are not allowed to threaten or make any demands from you. We will handle all contact from your credit providers for the entire time that your debts are being consolidated.

What happens if my credit providers reject my reduced monthly debt repayment amount?

We have a lot of experience dealing with credit providers, and our debt consolidation consultants have frequently negotiated debt restructuring proposals with all the major credit providers. Your debt consultant will propose a restructured debt plan that is affordable to you and acceptable based on your financial position. We will then refer your proposed debt plan to their nominated attorneys, who will obtain a court order in a magistrate’s court to enforce your restructuring debt plan on your credit providers. This court order is obtained as per the National Credit Act and protects your assets while you are in the process of seeking debt help services.

What is debt consolidation?

To have your debt consolidated means going through the process of consolidating all your debt owed to multiple credit providers into a single debt with one monthly repayment at reduced interest rates. Instead of paying multiple credit providers, you now only have to make one reduced monthly repayment for all your debt. As part of our free debt assessment, we will work with you so that you pay only the minimum amount that is required by your credit providers, thereby reducing your monthly debt obligations and freeing up cash so that you can maintain your quality of life.

We’ll Create A Debt Consolidation Plan To Ease Your Financial Burdens

Speak to our Debt-Free Advisors to get started.

What is Debt Consolidation?

Potential Savings After Debt Consolidation

How much can you save?

Potential Saving Scenario

ZeroDebt Process

Call Back

Review

Notify Creditors

Negotiate

Court Order

Why ZeroDebt?

Client Testimonials

98% Of Our Customers Left Satisfied

T Y

Zane

Consuwella Kgothatso

Clarke Carelse

Yolande D

Serenity

Thiru N

Njanduna

Jonay Cloete

Lehlohonolo

Prudence Passenz

Nomad _Ghost952

Blade Honor

Vukani

John S

Gcobisa S

Robyne H

Juan Botha

Mafotha M

Sadiyya Sheik

Thiru Naidu

Xoliswa Jwani

Schai

Lance O

FaranaazAfrica

Marie Louise Grobler

Suann W

Frequently Asked Questions

How do I apply for debt consolidation if I am married in community of property?

Some companies claim that they can reduce debt repayments by 60% or even 70%. Can you do the same for me?

Can I apply for debt consolidation if I am unemployed?

Am I over-indebted?

What do I tell my creditors when they contact me?

What happens if my credit providers reject my reduced monthly debt repayment amount?

What is debt consolidation?

Speak to our Debt-Free Advisors to get started.

Chat to our Debt-Free Advisors on WhatsApp