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 consumers struggling with debt; through budget advice, negotiation with Credit Providers for reduced payments and the restructuring of debts.

Stage 1 ~ Complete our free debt assessment! (

Complete our online debt assessment and provide us with the details of your financial situation. It only takes a few minutes

Stage 2 ~ We’ll assess

We’ll determine whether your monthly expenses and debt is more than your monthly income.

Stage 3 ~ You’ll be placed under Debt Review

We’ll inform all your Credit Providers and the Credit Bureaus that you are under Debt Review, and we will protect you from your creditors.

Stage 4 ~ We’ll consolidate your payments to one reduced instalment

We’ll restructure your payment plan and negotiate with your Credit Providers for lower interest rates and one lower monthly instalment that you can afford.

Stage 5 ~ The process is finalised

Our specialist attorneys will apply at the court to make your restructured payment plan a court order.

Stage 6 ~ Enjoy a happier, stress free, debt free life

While undergoing Debt Counselling, you will be protected against legal action taken by your Credit Providers and only have to pay one monthly, affordable reduced payment, leaving you with enough money for your monthly expenses.