Best South African Debt Counsellor
At Debt Solutions, we prioritize personalized service and continuity of care. You will be assigned a dedicated, registered Debt Counsellor who will work with you throughout your debt resolution journey, ensuring a consistent and supportive experience. Unlike other organizations, we do not utilize call centre agents or administrative staff to handle client inquiries, allowing you to build a trusted relationship with your Counsellor and receive expert guidance every step of the way.
Winner of Debt Review Awards
Do You Need Debt Relief?
Do you have too much debt?
- Do you avoid answering the phone, don’t sleep because of worry, fear the end of the month, search continually for answers to your debt problems, but finding none?
- Worry about losing your most valued assets like your car and home?
- Struggle to buy groceries or pay the school fees?
- Live from pay day to pay day and still not have enough to meet your financial commitments?
This is not how anyone wants to live. Debt Solutions can help you achieve financial freedom. Being in debt is not a crime. It’s only one of life’s obstacles that can be overcome with a little help from us.
Free yourself from debt in 6 easy steps!
From your first phone call to your clearance certificate, here is exactly what happens – and what we need from you at each stage.
Gather your documents
First, you’ll need to gather some documentation that we will need:
- A copy of your ID
- A copy of your spouse’s ID (if married in community of property)
- Your last month’s salary advice
- Your spouse’s last salary advice (if married in community of property)
- Available statements for the accounts listed in “Part 4 – Debt Obligations”
We draft your payment plan
Once we have your documents and a completed, signed Assessment Form, we draft a payment plan that reflects your unique financial position. You’ll be told exactly what reduced instalment we can negotiate, so you can decide whether to apply for debt review.
If you decide not to apply, you simply carry on paying your creditors as before – and we charge you no fees at all. You stay in control of the process.
You apply for debt review
If debt review works for you and you want to go ahead, you complete the Application Form we provide.
Your creditors are then notified of your application within five business days. We ask each of them for a statement showing what you still owe, your current instalments and your interest rates.
We get your court order
With the statements in hand, we finalise your payment plan, send it to your creditors as a formal proposal and request their letters of acceptance.
We then obtain a court date at your local Magistrate’s Court – or apply to the National Consumer Tribunal (NCT) – to make the plan an order.
That order completes the application process. As long as you keep paying the PDA in full and on time, your creditors cannot take legal action against you.
We stay with you
We keep monitoring your situation and deal with any problem you run into. A registered Debt Counsellor is always available to assist you – we support you on this journey until every account is settled.
You are debt free
Once all your accounts are settled, we issue your clearance certificate and notify your creditors, the NCR and the Credit Bureaus, who must remove the debt review flag from your profile.
Your debt review is complete – and you can apply for credit again!
Why you should use Debt Solutions
If you choose us as your debt counsellor, we become your debt management partner. You will no longer need to face your creditors on your own while they bombard you with final demands for payment or repayment arrangements.
You’ll have us in your corner, ready to negotiate on your behalf. We know the law and the debt review process inside out and we will protect your best interests.
Debt Solutions is a trusted, professional, experienced debt counselling firm registered at the National Credit Regulator.
We have been around since 2007 and have years of experience. We assist clients across South Africa who are in a debt crisis. Whether you need debt help in Western Cape, Gauteng, North West, KwaZulu Natal, Limpopo, Free State, Mpumalanga, Northern Cape or the Eastern Cape, we can assist you!
We understand how the process works and how to apply the law to your unique circumstances. We have helped many consumers to get out of debt and experience financial freedom again. For your own peace of mind, it is very important that you only seek debt counselling services from professional, reputable, NCR Registered Debt Counsellors such as ourselves.
We are registered at the National Credit Regulator, so you know that you are dealing with an accredited, professional organisation.
We are a proud Member of the Debt Counsellors Association of South Africa
Our aim is to help you get your debt under control but also to educate you and help you avoid landing in the same situation a few years down the line.
We do this by explaining the process to you as clearly as possible and answering any questions you may have along the way.
In short, we want to build a relationship with you.
Your calls and emails will ALWAYS be answered by a registered Debt Counsellor and not by a consultant or admin staff member. You need professional help and that is exactly what you will receive when you sign up with Debt Solutions.
Just one of our many happy clients.