Debt Counselling

Immediate & tangible relief for over-indebted consumers, with asset protection and reduced payments.


Administrators negotiate with your creditors on your behalf for decreased installments over an extended term.


The most significant benefit from sequestration is that all of your debt will be settled using your existing assets.

What is Debt Counselling?

The National Credit Act formally introduced Debt Counselling to assist over-indebted consumers like yourself by developing a repayment plan, which is affordable to you as well as acceptable to all your Credit Providers.

This process is intended to assist over-indebted consumers struggling with debt, through budget advice, negotiation with credit providers for reduced payments and restructuring of debts.

To qualify for debt counselling, you need to be over-indebted as defined by the NCA – that is, you are unable to meet all your financial obligations in a timely manner. This is determined by a debt counsellor and basically means that you can’t repay your minimum monthly instalments.

How can
Debt Counsellors
help you?

Are you or your staff struggling to pay your debts?

A recent report shows that almost half of South Africans with accounts are in arrears. Most of these people apply for loans to repay debt only to find them in more debt!

Are you or your staff over-indebted?

Over-Indebted means your income less essential living expenses is not enough to repay debt.

Do you or your staff need debt relief?

The National Credit Act introduced Debt Counsellors who have the knowledge and skills to assist people, to design repayment plans and negotiate agreements with creditors to enable people to afford their debt obligations.

Who can apply for debt counselling?

There are no restrictions – anyone from any income group and who owes any amount of debt can apply for debt counselling. The Act requires that consumers be referred for debt counselling before any legal action be taken against them for non-payment of debts.

Discover Financial Freedom

Don't let debt destroy your family! Contact us today for an individual consultation. We work throughout South Africa. We also do business consultations for the well-being of your staff.

Contact Us Now!