Debt review and debt counselling with Debt Review Centre
Debt review, also called debt counselling, is the legal process under the National Credit Act that combines your debts into one lower monthly payment and protects included accounts from new legal action. Debt Review Centre’s NCR-registered counsellors have helped South Africans since 2008, fully by phone and WhatsApp. Start with a free assessment.
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Why thousands of South Africans choose us
NCR Registered
Reg. No. NCRDC 1437 / NCRDC 1355
Industry Award Winner
Voted Best Debt Counsellor
10,000+ SA Clients
Trusted across all provinces
15+ Years Experience
South African debt experts
What debt counselling and debt review mean
Debt counselling and debt review are two names for the same process. The National Credit Act calls it debt review, and it can only be done by a debt counsellor registered with the National Credit Regulator. It is built for people who earn an income but can no longer afford all their credit repayments after essential living costs.
It works in four steps. A counsellor assesses your income, expenses and accounts. Your creditors are notified and asked to accept lower instalments over a longer term. The plan is made a court order so it binds everyone. You then make one monthly payment through a registered payment distribution agency until the debt is paid. Read how debt review works, check the debt review fees, or speak to one of our registered debt counsellors.
We help clients across the country by phone and WhatsApp, including debt counselling in Johannesburg, debt counselling in Durban and debt review in Cape Town.
Debt review and debt counselling questions
Is debt counselling the same as debt review?
Yes. Both names describe the same process under section 86 of the National Credit Act. A registered debt counsellor assesses your finances, negotiates lower instalments and has the plan made a court order.
How long does debt review take?
Most plans run three to five years. The length depends on how much you owe, the interest rates your creditors accept and how much you can afford each month.
Will I lose my car under debt review?
Vehicle finance included in your plan is protected from new legal action while you keep up the plan payments, provided you apply before the creditor has started enforcement with a Section 129 notice.
What does debt counselling cost?
Your first assessment is free. Fees follow the NCR guideline and are built into your monthly payment, so you never pay a large sum upfront.
Your Journey to Financial Freedom
Follow this clear path to transform your financial situation
- Overwhelmed by debt payments
- Constant creditor harassment
- Sleepless nights and anxiety
- Increasing interest makes debt worse
- No clear path to becoming debt-free
- Free assessment of your situation
- Activate legal NCA protection
- Negotiate with creditors for you
- Reduce interest rates by up to 95%
- Create clear debt-free timeframe
- Payments reduced by up to 60%
- No more creditor harassment
- Better sleep and reduced stress
- One affordable monthly payment
- Clear path to becoming debt-free
You don’t have to face debt alone. Take the first step on your journey today.
Real Results for South Africans Like You
Average payment reduction
Interest rate reduction
To stop creditor calls
South Africans helped
Find the debt help that fits your situation
Debt Review
Understand how debt review works, who it may help and what the process involves.
Debt Counselling
See how an NCR-registered debt counsellor assesses your situation and guides the formal process.
Immediate Debt Relief
Start with a clear assessment when your monthly debt repayments have become unaffordable.
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The DRC Difference
Avg. monthly savings
Avg. interest reduction
Creditor calls stopped
Upfront fees