Legal Debt Protection

    Debt Solutions Tailored To Your Needs

    We offer a range of debt management options to help you regain financial control and build a debt-free future.

    Stop creditor calls & harassment immediately
    Reduce payments by up to 60% legally
    Protection under National Credit Act
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    CT
    EC
    312 people
    requested help this week

    Financial Freedom Calculator

    Calculate Your Potential Savings

    See how much you could reduce your monthly payments through legal debt protection

    R 0

    Monthly payments for home loans, vehicle finance, etc.

    R0R2,000,000
    R 0

    Total outstanding balance for bonds, vehicle loans, etc.

    R0R2,000,000

    Almost there! One more step

    Now tell us about your unsecured debt, e.g. credit cards, personal loans, student loans, and bank overdrafts

    R 0

    Monthly payments for credit cards, personal loans, store accounts, etc.

    R0R100,000
    R 0

    Total outstanding balance for credit cards, personal loans, store accounts, etc.

    R0R500,000

    This calculator provides estimates based on National Credit Act guidelines.

    Our calculator provides estimates based on National Credit Act guidelines and typical South African interest rates. Individual results may vary based on your specific circumstances.
    Our Solutions

    Finding The Right Path Forward

    Every financial situation is unique. We'll help you understand all available options and choose the solution that best fits your circumstances.

    Debt Review (Debt Counselling)

    Legal protection under the National Credit Act to reduce your payments and stop creditor harassment.

    Key Benefits:

    • Legal protection from creditors under the NCA
    • Single affordable monthly payment
    • Interest rates reduced by up to 95%
    • Court-approved payment plan
    • Prevent repossession of assets
    Stop Creditor Harassment

    Debt Consolidation

    Combine multiple debts into a single loan with a lower interest rate or monthly payment to simplify your finances.

    Key Benefits:

    • Simplify your finances with one payment
    • Potentially reduce your interest rates
    • Fixed monthly payments for easier budgeting
    • Clear timeframe for becoming debt-free
    • Improve credit score over time
    Simplify Your Payments

    Debt Negotiation

    We negotiate directly with your creditors to reduce balances, interest rates, and monthly payments.

    Key Benefits:

    • Reduce your total debt amount
    • Lower monthly payments
    • Professional negotiation with creditors
    • Avoid the need for debt review in some cases
    • Clear path to becoming debt-free
    Reduce Your Debt Now
    Guidance

    Which Solution Is Right For You?

    The best debt solution depends on your personal circumstances. Here's a quick guide to help you understand which might be suitable.

    SolutionIdeal ForTypical Debt LevelTime FrameCredit Impact
    Debt ReviewThose with regular income but struggling with high debt levels and need legal protectionR5,000+3-5 yearsAppears on credit record during process, clears after completion with clearance certificate
    Debt ConsolidationThose with good credit who want to simplify multiple debtsVariesTypically 3-5 yearsMinimal if payments maintained
    Debt NegotiationThose looking to reduce debt amounts without formal debt reviewAny amountVaries based on arrangementsDepends on negotiated terms with creditors

    Not sure which solution is right for you? Don't worry – our expert advisors will guide you through all options.

    Get Expert Advice
    Free Assessment

    Get Your Personalized Debt Solution

    Our expert advisors will analyze your financial situation and recommend the best debt solution for your unique circumstances. The assessment is completely free and comes with no obligation.

    1.

    Complete The Form

    Fill in your details and information about your debts

    2.

    Free Consultation

    Speak with one of our debt advisors who will analyze your situation

    3.

    Tailored Solution

    Receive a personalized recommendation and action plan

    Free, Confidential Assessment with NCR-registered Debt Counsellors

    Get Debt Review Help Today

    Complete this simple form for a quick call back from our debt experts

    What happens if you don't act?

    • • Continued creditor harassment
    • • Risk of legal action and judgments
    • • Possible asset repossession
    • • Increasing interest and penalties

    By submitting this form, you agree to our Privacy Policy and the National Credit Act regulations.

    Frequently Asked Questions

    Common questions about our debt solutions and services

    Will debt review affect my credit score?

    Yes, during debt review, your credit record will show that you are under debt review and you won't be able to access new credit. However, after completing the process and receiving your clearance certificate, this flag is removed. If you're already struggling with debt, your credit score may already be negatively affected by late payments or defaults.

    How much do your services cost?

    Our initial assessment and advice are completely free. If you proceed with debt review, fees are regulated by the National Credit Regulator (NCR) and include an application fee, restructuring fee, and monthly aftercare fees. These fees are built into your reduced monthly payment, so you won't pay anything extra out of pocket.

    How long will it take to become debt-free?

    The timeframe varies depending on your financial situation and the solution chosen. Under debt review, most clients complete the process in 3-5 years. With debt consolidation, the term is typically 3-5 years depending on the loan terms. For debt negotiation, timeframes vary based on the arrangements made with creditors.

    Can I keep my car and home under debt review?

    Yes, one of the key benefits of debt review in South Africa is asset protection. The National Credit Act provides legal protection that prevents creditors from repossessing assets like your home or vehicle as long as you maintain the payments agreed upon in your debt review payment plan.

    Take the first step towards financial freedom today

    Our expert advisors are ready to help you find the right debt solution