Legal Debt Protection

    Frequently Asked Questions

    Get answers to the most common questions about debt review and debt counselling

    Stop creditor calls & harassment immediately
    Reduce payments by up to 60% legally
    Protection under National Credit Act
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    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.
    Your Questions Answered

    Debt Review FAQs

    Below you'll find answers to the most common questions about debt review and how the debt counselling process works.

    How long will I be in debt review program?

    The time period depends on the balance of outstanding debt and what you can afford to repay. The debt review application must be completed within 60 business days from the date of application.

    Do I have to meet with the Debt Counselor?

    No, all documents can be faxed or e-mailed, but all applications will be assessed by registered Debt Counselors.

    Why use Debt Counsellors?

    Debt Counsellors were introduced by the National Credit Act to help consumers having trouble with debts. They will:

    • Advise and recommend the best course of action
    • Negotiate with credit providers
    • Design a manageable debt repayment plan
    • Help you take control of your finances

    Do I qualify for debt review?

    To qualify, you need to:

    • Have an income
    • Be over-indebted or soon to be over-indebted

    How long does it take to protect myself from my creditors?

    After submitting your application form, Debt Counsellors will:

    • Send notifications to all creditors
    • Immediately protect you from legal action
    • Stop creditor harassment for payment arrangements

    Have more questions? We're here to help you with any concerns about the debt review process.

    Contact Our Team

    Ready to Start Your Journey to Financial Freedom?

    Contact our team today for a free, no-obligation debt assessment.