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!
Step 1
First, you’ll need to gather some documentation that we will need.
- A copy of your ID
- Copy of your spouse’s ID (if married in community of property)
- Your last months’ salary advice
- The last salary advice of your spouse (if married in community of property)
- Available statements for the accounts listed in “Part 4 – Debt Obligations.”
- Download and complete the Assesment Form
Step 2
After providing us with the documents listed in step one, as well as a completed and signed Assessment Form we will draft a payment plan reflecting your unique financial position.
You will be informed of the new reduced instalment that we can negotiate, for you to decide if you want to apply for debt review.
Should you decide not to apply for debt review, you will continue to pay your normal instalments directly to your creditors.
We will not charge you ANY fees should you decide not to apply for debt review. You, therefore, remain in control of the process.
Step 3
If you decide that debt review will work for you and you want to apply, you need to complete an Application Form that we will provide.
After receiving your Application Form your creditors will be notified of your application within five business days. We will request them to provide us with a statement indicating how much you still owe and what your existing installments and interest rates are.
Step 4
Once we have received the statements, we will adjust the personal payment plan we have drawn up for you, send it to your creditors as a payment proposal, and request their letters of acceptance.
After we have received the letters of acceptance of the payment proposal from your creditors, we will obtain a court date from your local Magistrate to make the payment plan an order of the court or, alternatively, apply for the debt review order with the National Consumer Tribunal (NCT). This will offer your full protection against your creditors as long as you make full and regular payments to the PDA as agreed.
The granting of the debt review order completes the application process and your creditors can’t take any legal action against you for as long as your keep making payments in accordance with your payment plan without any deviation.
Step 5
We will keep monitoring your situation and address any problem that you may encounter. A registered Debt Counsellor will always be available for assistance. We will, therefore, support you during this journey until all your debt is settled.
Step 6
Once all your accounts have been settled, we will issue you a clearance certificate and inform all your creditors, the NCR, and the Credit Bureaus. The Credit Bureaus must then remove the debt review flag from your profile.
After this, you have completed your debt review and you will be able to 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.