Your salary is gone by the 7th
The debit orders hit the day after payday. By the second week you are borrowing to buy food, and the next month starts further behind than the last one.
For South Africans drowning in debt
Debt consumes your salary before you even receive it.
Take back control of your salary.
If your accounts, your loans and your car payment are more than you can afford, debt review is a legal process that reduces what you pay each month and protects what you own. We will tell you in one call whether it is a right solution for you and if it is not, we will say so.
Check if I qualify for debt reliefFree. Confidential. Takes under 2 minutes.
- Registered Debt Counsellor with NCR
- One affordable monthly payment
- Legal protection for your car and your home
- A dedicated Debt Counsellor. Deal with one person not a call centre
- Creditors paid via an independent PDA
- Cut interest from 21% to as low as 0%
- Save up to 50% on debt repayments. R10 000 down to as low as R5 000
- Debt Review flag cleared by us. Clearance certificate issued once done
- Most people finish within 3 to 5 years. Smaller debts can be cleared in 2 years or less
You are not bad with money. The repayments just got bigger than the salary.
Most people we speak to were managing fine until something changed. See if any of this sounds like your month.
You do not answer unknown numbers anymore
They call during work. They call your family. You have started leaving your phone face down, and the anxiety of it is heavier than the debt itself.
There is a garnishee order on your salary
Money is taken before you ever see it. You cannot budget around it, you cannot negotiate it on your own, and it does not stop on its own.
You are terrified of losing the car
Without the car you cannot get to work. Without work you cannot pay anything at all. That is the loop that keeps you awake.
You were approved for credit you could never afford
Store cards, "pre-approved" loans, top-up offers. Somebody said yes without ever asking if you could actually pay it back. You are the one living with that decision every month, not them.
You've taken out a loan just to pay another one
One account falls behind, so you borrow to cover it. Now there's a new repayment stacked on the old ones, and next month the hole is deeper than this one.
There is a legal process for exactly this.
It is called debt review.
Debt review is a formal process under the National Credit Act. A registered debt counsellor assesses what you earn and what you owe, works out one monthly payment you can actually afford, and negotiates it with your creditors on your behalf. You stop dealing with them. We do.
What happens to my car and my house?
This is the part most people do not know. Once you are under debt review, your creditors cannot repossess your car or your home for the debts included in the process, as long as you keep up the agreed payment. Protecting what you own is one of the main reasons the process exists.
Will the calls stop?
Once your application is lodged, your creditors are formally notified and collections calls must go through your debt counsellor instead of coming to you. Most people notice the difference within the first few weeks.
What does it do to my credit record?
We will be straight with you, because nobody else is. While you are under debt review it is recorded on your credit profile, and you cannot take out new credit during that time. When you finish and your accounts are settled, you receive a clearance certificate and the listing is removed. For most people the honest trade is this: your credit record is already suffering from missed payments, and debt review is the route back rather than a new problem.
It is simpler than you think.
Three steps.
Tell us where you stand
Answer a few questions about what you owe and what you earn. Two minutes, on your phone, no documents needed yet.
Free assessment to check properly
A registered debt counsellor goes through your accounts with you and works out what one affordable monthly payment would look like. If debt review is not right for you, we will tell you that instead.
We deal with your creditors
Once you are under debt review, your creditors go through us. One payment leaves your account via an independent PDA each month and you stop being the person answering the calls. You receive a login to PDA portal to track how you money is distributed to your creditors, you don’t pay us directly to ensure your funds are not mismanaged.
Real South Africans who were where you are now.
This is what changed.
Google4.9
HelloPeter4.9
Google1 week ago
“The calls stopped within the first week. That alone was worth it.”
CALLS STOPPED WEEK ONE
Thabo Mokoena
Johannesburg, Gauteng
HelloPeter3 weeks ago
“One call and I finally had a number I could actually afford each month.”
ONE AFFORDABLE PAYMENT
Keanu Hendricks
Durban, KwaZulu-Natal
Google2 months ago
“I was terrified about losing my car. They explained it was protected before I even had to ask.”
KEPT THE CAR
Pieter van der Merwe
Cape Town, Western Cape
Google5 days ago
“No judgement, just a straight answer about what I qualified for.”
HONEST ASSESSMENT
Amahle Dlamini
Bloemfontein, Free State
HelloPeter1 month ago
“The garnishee order was the scariest part. They dealt with it properly.”
GARNISHEE ADDRESSED
Chantel Cupido
Gqeberha, Eastern Cape
Google3 days ago
“I'd put it off for months out of shame. The call was nothing like I expected.”
EASIER THAN EXPECTED
Anika du Plessis
Pretoria, Gauteng
Google6 weeks ago
“They told me upfront what it would mean for my credit record. Nobody else had.”
UPFRONT ABOUT EVERYTHING
Sibusiso Khumalo
Rustenburg, North West
HelloPeter2 weeks ago
“Two accounts behind, one call, and I had an actual plan by the end of it.”
PLAN IN ONE CALL
Dillon October
Polokwane, Limpopo
Google4 weeks ago
“My salary finally stretches to the end of the month again.”
SALARY STRETCHES AGAIN
Francois Joubert
Nelspruit, Mpumalanga
Google1 week ago
“I called three companies. This was the only one that didn't oversell me.”
NO OVERSELLING
Lerato Ndlovu
Soweto, Gauteng
HelloPeter2 months ago
“They assessed it properly and told me what it would actually cost, not a vague number.”
REAL NUMBERS UPFRONT
Rashieda Abrahams
Stellenbosch, Western Cape
Google3 weeks ago
“Unknown numbers don't scare me anymore.”
PHONE ANXIETY GONE
Liezel Botha
Pietermaritzburg, KwaZulu-Natal
Google5 weeks ago
“My wife and I did the call together. They walked us through everything as a couple.”
HANDLED AS A FAMILY
Bongani Sithole
Welkom, Free State
HelloPeter1 month ago
“I was self-employed and worried I wouldn't qualify. They knew exactly what to ask for.”
SELF-EMPLOYED, NO PROBLEM
Gareth Pretorius
Sandton, Gauteng
Google4 days ago
“Store accounts, a loan, vehicle finance — all in one payment now.”
EVERYTHING IN ONE PAYMENT
Wayne Fortuin
East London, Eastern Cape
Google3 weeks ago
“I finally slept properly the night after that call.”
SLEPT PROPERLY AGAIN
Matthew Smith
Mahikeng, North West
HelloPeter6 days ago
“They didn't rush me. I asked every question I had.”
EVERY QUESTION ANSWERED
Nomvula Ncube
Tzaneen, Limpopo
Google2 weeks ago
“Retrenched last year, drowning since. This was the first real help I got.”
FIRST REAL HELP
Stacey-Lee Jacobs
Witbank, Mpumalanga
Google1 month ago
“I was worried about losing the house. That was the first thing they addressed.”
HOME PROTECTED
Sarah Gallagher
Centurion, Gauteng
HelloPeter5 weeks ago
“It's not what I expected debt review to be. Far less scary.”
LESS SCARY THAN EXPECTED
Katlego Molefe
Paarl, Western Cape
Google3 days ago
“They told me honestly that removal was a separate process, and pointed me the right way.”
POINTED IN RIGHT DIRECTION
Gavin Carelse
Ballito, KwaZulu-Natal
Google2 months ago
“One payment leaves my account now instead of five different debit orders fighting for space.”
FIVE DEBITS BECAME ONE
Kobus Erasmus
Kroonstad, Free State
HelloPeter1 week ago
“I was ashamed to make the call. Nobody made me feel that way once I did.”
NO JUDGEMENT
Lucretia Pietersen
Benoni, Gauteng
Google4 weeks ago
“They explained what happens to my credit record properly, good and bad.”
FULL PICTURE, NO SPIN
Zolani Ntwana
Uitenhage, Eastern Cape
Google3 weeks ago
“Commission income and they still worked out a number that made sense.”
VARIABLE INCOME, STILL WORKED
Tamaryn September
Potchefstroom, North West
HelloPeter6 weeks ago
“Two minutes on the quiz, one call, and I had a plan by that afternoon.”
PLAN BY THAT AFTERNOON
Melanie Taylor
Mokopane, Limpopo
Google2 weeks ago
“I've recommended them to my brother, who's in the same situation.”
RECOMMENDED TO FAMILY
Naledi Modise
Middelburg, Mpumalanga
THE QUESTIONS PEOPLE ARE AFRAID TO ASK
Straight answers, including the ones that are not flattering.
Next month does not have to look like this one.
Find out where you stand.
It takes about two minutes and costs nothing. If debt review is not the right answer for you, we will tell you that on the call.
Check if I qualifyFree and confidential
No obligation
Under 2 minutes
Registered Debt Counsellor NCRDC4559