Debt Consolidation Services | Zero Debt

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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 Consolidation?

If you are over-indebted and falling behind with your debt repayments, debt consolidation can protect your assets by arranging a structured, affordable repayment plan for your outstanding debt.

Debt consolidation companies consolidate all your debt into one monthly payment and reduce your interest rates based on your circumstances. This debt protection forms part of the National Credit Act, implemented and monitored by the National Credit Regulator (NCR) in South Africa. Credit providers cannot take legal action against you if you go under debt consolidation. 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 callback 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 in getting their debts consolidated and developing 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 consolidation 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 qualify, we will contact your credit providers and obtain all the certificates of balances.


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.


Final Steps

We will assist you with the finalisation of your debt consolidation process.

Why Zero Debt?

98% of Our Debt Consolidation 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


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 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.

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.

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.

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!

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.

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.

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.

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