Meet the professionals That will guide you to your Debt-Free life.

You will incur debt counselling fees and legal fees, which are regulated by the National Credit Regulator. These costs are incorporated into your debt restructuring plan, so no upfront fees are required.

Only credit agreements as defined in the National Credit Act are included. Doctor and cell phone accounts are excluded, as well as accounts where legal action has commenced.

If you are struggling to repay your debt, have fallen behind, or are at risk of falling behind, you may be over-indebted. Request a callback for a free debt assessment.

No, administration applies to consumers whose total debt does not exceed R50,000. Debt review is usually faster and less costly, aiming for a debt-free status within 36-60 months.

You will feel immediate relief. Within the first 5 days, we will work out a provisional repayment plan. During the first 60 working days, credit providers cannot implement legal action.

You cannot be listed on ITC when under debt review. We notify the credit bureaus to flag your name, indicating that you are under debt review.

No, you need a monthly income to qualify for debt review. We suggest finding employment and then contacting us for assistance with your debt if you are over-indebted.

We work out the best debt restructuring proposal, aiming to reduce interest rates and monthly debt obligations, enabling you to repay debt while covering living expenses.

No, your debt review application is treated as fully confidential. We will never contact your employer for any information or to confirm anything.

If a credit provider has already obtained a garnishee order, that debt cannot be included in your debt review. However, we can assist you in managing the rest of your debt more effectively.