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Based on 620 reviews

087 701 9665

(TOLL FREE)

How does Zero Debt reduce your debt?

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.

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.

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.

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.

Who should consider debt review?

You Are Struggling To Keep Up With Monthly Debt Repayments

You have fallen behind on your Accounts And Are Facing Legal Action From Creditors

You Want To Avoid Being Blacklisted And Protect Your Assets From Repossession

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

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

Speak to our Debt-Free Advisors to get started.

How does Zero Debt reduce your debt?

WE REDUCE INTEREST RATES

WE OFFER LEGAL PROTECTION

WE STOP HARASSMENT

WE REDUCE MONTHLY DEBT REPAYMENTS

Who should consider debt review?

You Are Struggling To Keep Up With Monthly Debt Repayments

You have fallen behind on your Accounts And Are Facing Legal Action From Creditors

You Want To Avoid Being Blacklisted And Protect Your Assets From Repossession

Potential Savings After Debt Counselling

How much can you save?

Potential Saving Scenario

Speak to our Debt-Free Advisors to get started.

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