Debt Counselling South Africa
Debt counselling is the professional service provided by NCR-registered counsellors who manage and negotiate your debts through the debt review process—helping you regain control and become debt-free.
What Debt Counsellors Do
We assess your finances, negotiate with your creditors, and set up one reduced monthly payment that fits your budget—while protecting you under the National Credit Act.
When to Consider Counselling
If you are missing payments, facing creditor pressure, or paying mostly interest, you may benefit from debt counselling to reset your finances with a clear plan.
How Sessions Work
A counsellor conducts a thorough assessment of income, expenses, and debts, then drafts a realistic repayment proposal. We negotiate with each creditor and manage communications on your behalf.
Next Steps
- Check your savings with the Debt Review Calculator
- See if you qualify using the Qualification Quiz
Key Benefits
- One affordable monthly payment
- Reduced interest and fees
- Protection from creditor harassment
- Clear plan to become debt‑free
What You’ll Need
- South African ID
- Proof of income
- Monthly expenses
- Statements from your creditors
Expected Outcomes
- Immediate relief from calls and legal threats
- Sustainable monthly budget
- Debt clearance certificate on completion
Debt Counselling FAQs
Is debt counselling the same as debt review?
Debt counselling is the professional service provided by registered counsellors. Debt review is the legal process they administer under the NCA.
Can I apply if I’m unemployed?
A regular income is required to create a workable repayment plan. If your situation changes, speak to us about options.
Can I get new credit during counselling?
No—new credit isn’t allowed during the process, which protects you from taking on further debt while you recover.
What happens when I finish?
You receive a clearance certificate and your credit record is updated to reflect completion, enabling you to rebuild credit responsibly.
Will my employer be contacted?
No. Your employer isn’t contacted. Payments are made via an accredited payment distribution agency.
Can I include all my debts?
Most unsecured and many secured debts can be included. We review your full credit profile and advise case‑by‑case.