About us our services Take Back Control Struggling with overwhelming debt? New Debt Plan helps you find a practical path toward manageable monthly payments and greater financial stability. About us our services Reduce the Pressure
 Simplify your debt and take the pressure off your monthly budget with a repayment plan designed around what you can realistically afford. About us our services Fresh Start
 Take the first step toward becoming financially stable again. Our team will guide you through your options and help you build a clearer way forward.

With our Debt Counselling, nothing is impossible!

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Debt Counselling

Debt Counselling is subject to the National Credit Act and enforced by the National Credit Regulator (NCR). It has been enacted to assist consumers who are facing debt problems.

Debt Settlement

When you receive a lump sum of money and you wish to settle all or part of your existing debt, we can assist you by negotiating with your credit providers for some settlement discounts on all or any of your debts.

Debt Management

Entails how we manage your debt after signing with us. We act on your behalf with regards to your debts between you and your credit providers. We stop those threatening phone calls from your credit providers.

What we do for you

We understand that being in debt can be very stressful and affect you and your family. Our debt counselling could be your best debt solution if you are over-indebted!

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Our expertise is your gain

We understand that being in debt can be very stressful and affect you and your family. Our debt counselling could be your best debt solution if you are over-indebted!

Customer satisfaction 99%
Performance 90%
Experience 95%

FAQ

How can I tell if I’m over-indebted?

You are usually over-indebted when you are paying more than half of your salary to debt, not making timeous payments on your debts and constantly getting reminders for late payments. Or if you are at risk of falling behind in the immediate future. These are sure signs that you urgently need our help. If you delay applying for debt counselling, and once the credit provider has commenced legal action against you, that particular debt cannot be included in the debt review process.

Is debt counseling/review better than a debt consolidation loan?

The credit market has recently been tightened by the NCR such that you will not qualify for a consolidation loan if you are over-indebted, not with us or not with any registered financial institution in South Africa. If your current debt status is that you are over-indebted, you do not have the option of a consolidation loan. The only realistic and affordable way to prevent you from losing your house, car or furniture is to go the debt review way. Our debt review process can offer you immediate asset protection according to the National Credit Act and set you on a course of recovery from debt problems by consolidating your debt into one affordable monthly repayment, reducing your monthly debt repayments and interest and clearing your credit record after you have fulfilled your restructured debt obligations.

Is debt review the same as being under administration?

Certainly not. Administration only applies to consumers whose total debt do not exceed R50,000 and usually lasts much longer and is much costlier. The debt review process we aim that you achieve a debt free status within 36 to 60 months.

Testimonials

The following are some of the creditors we deal with