Registered Debt Counsellors

Only registered, trained debt counsellors are legally allowed to assist you with the debt counselling process. Always ask to see a debt counsellor's registration number issued by the National Credit Regulator.

Debt Clearance Certificate

When a consumer's debt repayment under debt review is completed, he is issued with a debt -clearance certificate and may apply for credit again.

Under Debt Review

Being under "Debt Review" DOES NOT mean a consumer is blacklisted - It simply informs lenders that consumers are not able to afford any more credit at that time.

The National Credit Act

The National Credit Act protects consumers against harmful business practices by lenders.

Increasing consumer debt

Increasing consumer debt drives inflation upwards.

Reckless Lending

The courts may set aside all obligations if a credit agreement is declared to be reckless.

No more phone calls from creditors

We negotiate and deal with creditors on your behalf.

Consumer Rights

You have the right to one free credit report per year.

Consumer Rights

You have the right to assistance from a Debt Counsellor if you are over-indebted.

National Credit Act, 34 of 2005, makes provision for

- prohibition of reckless credit granting
- provision for debt reveiw and rearrangement
- regulation of credit providers and debt counsellors

Protect your assets from repossession

When you apply for Debt Review, your house, car and other assets are immediately protected from legal action.

Debt Counselling

There are 22 531 people who have applied for debt counselling since June 2009