Debt Counselling

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Debt Counselling is the first step towards financial freedom. So what will it do for you?

  1. More cash available
  2. Protect your house and car
  3. Easier creditor negotiations
  4. You Have access to financial experts
  5. One Reduced, affordable instalment for all your creditors
  6. The quickest way to regain your financial freedom without prejudicing your credit record.
  7. You regain financial control

Our consultants are waiting to help solve your financial woes. There are no initial costs so take that first step towards financial freedom and contact us today.


National Credit Regulator
The National Credit Regulator is the Governing Body established to monitor the Credit Industry and protect all consumers in South Africa.

One of its tasks is to regulate the Debt Counselling Industry to ensure fairness to all consumers by enforcing strict guidelines and the monitoring of fees that need to be adhered to, allowing you peace of mind, knowing that you are fully protected by the National Credit Act.

5 Easy steps to financial freedom

  • Fill in the free application form.
  • Your creditors are notified. You are now protected from legal action.
  • Initial Debt Repayment plan is prepared.
  • Debt repayment plan is negotiated with creditors.
  • Application for debt repayment plan to be made a court order.


  • Store Cards
  • Credit Cards
  • Personal Loans
  • Bank Overdrafts
  • Hire Purchases
  • Bonds


  • Free Advice
  • Quick and Easy
  • No interviews in person
  • In complete confidence. your employer or work colleagues will not find out


You may join the plan immediately subject to completing the application, submitting all relevant documentation and filling the qualification requirements.

No, it does not make a difference, your bond will also be included in the debt review.

In the majority of cases the Banks will accept a reasonable offer, usually around 80% of your bond, but in some cases we will keep normal instalments on your bond. We will certainly make sure your bond is treated as the highest priority debt in order to make sure your home is secure.

This depends on numerous factors and can only be determined once we have all the facts at hand (the total amount available for your creditors, total debt outstanding and agreed negotiated rates with your creditors). You will get a full breakdown when everything is processed.

No. We treat our clients with trust and respect. You will not have to take time off work to visit us and no one will visit you. We will only contact you when it is necessary.

Yes, we will deal with all your unsecured and secured loans. When we analyse your finances, we will make appropriate allowances for you to be able to afford your day-to-day expenses before we calculate how much you can afford to pay your creditors.

Yes, if you are married COP it means that you legally share all assets as well as debts with your partner. Therefore, by law, both of you must go under debt review.

Your creditors shall according to National Credit Act stop pursuing you when you have been placed under debt review. Sometimes it can take a bit of time for creditors to update all their departments that you are under review - should they contact you, let them know that we are your debt counsellors and that we are acting on your behalf. You should forward any letters for us to deal with on your behalf.


For a Free, No Obligations Assessment for Debt Review fill out the below form and we will assess your situation and get back to you with recommendations.



I would just like to say a big THANK YOU to Samantha and the team for all their help shedding some light on my debt problems.Quote



I am finally on the road to financial freedom. So thanks again for all the assistance, I will certainly recommend you!Quote



Today I have less stress and no fear of answering the phone. Thank you Debt Therapy for making my life so much easierQuote