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4.9

Based on 444 reviews

087 701 9665

What is Debt Counselling?

If you’re over-indebted and struggling to keep up with your monthly repayments, debt counselling can provide the debt relief that you need.

Through debt counselling, a registered debt counsellor will assess your financial situation and negotiate with your creditors to create a single, affordable monthly repayment plan tailored to you. Your interest rates can be reduced, thereby reducing your monthly repayments and giving you more money to live off.

This process is protected by the National Credit Act, which means once you’re under debt review, credit providers cannot take legal action against you.

Get in touch with our professional team of Debt Counsellors — request a free call back now

Potential Savings After Debt Counselling

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 444 reviews

Client Testimonials

98% Of Our Customers Left Satisfied

Margaret Swartz

5

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

5

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

5

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

5

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

5

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

5

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

5

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

5

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

5

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

5

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...

Margaret Swartz

5

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

5

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

5

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

5

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

5

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

5

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

5

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

5

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

5

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

5

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...

Frequently Asked Questions

Is debt review better than a consolidation loan?

You will not qualify for a consolidation loan if you are over-indebted. Not with us and not with anyone. The only way to prevent you from losing your assets is to go under debt review. Our debt review process fully protects your assets, as per the National Credit Act. We help you to manage your bad-debt situation by consolidating your debt into one affordable monthly repayment, reducing your monthly debt repayments & interest and clearing your credit record after you have fulfilled your restructured debt obligations.

Do I need to go to court?

No, you will never have to attend any court proceedings, as Zero Debt’s nominated attorneys will obtain the court order for you. The legal fees relating to the court order is included in your reduced monthly debt repayment amount.

What costs will I incur by applying for debt review?

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 & 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 application to be processed. The debt counselling fees that we charge are regulated by the National Credit Regulator 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.

Why should I consider debt review?

You should consider debt review if you are unable to pay off your debt repayments, whether it be 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 review helps to reduce your repayments and your interest rates, making your financial situation more manageable.

What qualifies you to be put under debt review?

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 qualify for debt review even if you are blacklisted, or if you have a bad credit record.

Talk To Our Qualified Debt Counsellors Now!

Speak to our Debt-Free Advisors to get started.

What is Debt Counselling?

Potential Savings After Debt Counselling

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

Margaret Swartz

Yolande Bekker

Suenette Witbooi

Sifiso Hadebe

Mohamed Razak Singh

Nana Christine Cindy Banda

Yolande Bekker

Tshepang Tzozo

Zaid Baderoen

Jean Cash

Margaret Swartz

Yolande Bekker

Suenette Witbooi

Sifiso Hadebe

Mohamed Razak Singh

Nana Christine Cindy Banda

Yolande Bekker

Tshepang Tzozo

Zaid Baderoen

Jean Cash

Frequently Asked Questions

Is debt review better than a consolidation loan?

Do I need to go to court?

What costs will I incur by applying for debt review?

Why should I consider debt review?

What qualifies you to be put under debt review?

Speak to our Debt-Free Advisors to get started.

Chat to our Debt-Free Advisors on WhatsApp