Debt review and debt counselling in Pretoria
Debt review in Pretoria starts with one honest conversation about what you earn, what you owe and what your household needs to run. Debt Review Centre’s NCR-registered debt counsellors help Pretoria and Tshwane clients fully by phone, WhatsApp and email, and the first assessment is free.
Get your accounts ready before the conversation
Gather recent account statements, proof of income and a list of household expenses. If some income varies, explain that and bring records that show the pattern. Share any arrears letters or legal documents at the start of the assessment.
The size of one account does not decide whether Debt Review is suitable. The counsellor needs the full picture of what you earn, owe and need for essential expenses.
Debt counselling in Pretoria, step by step
Whether you live in Centurion, Hatfield, Menlyn, Montana, Akasia, Mamelodi or Soshanguve, the process is the same national process under the National Credit Act:
- Free assessment of your income, essential costs and credit accounts.
- Application for debt review if you are over-indebted and choose to proceed.
- Creditors and credit bureaus are notified by your counsellor.
- A restructured repayment plan is negotiated based on what you can afford.
- A court or tribunal order makes the plan binding.
- One monthly payment goes to a payment distribution agency, which pays your creditors.
- A clearance certificate is issued once the short-term debt is paid.
Read the full guide on how debt review works.
Looking for the NCR in Pretoria?
A lot of people search for the NCR or NCR offices in Pretoria when what they need is debt help. The National Credit Regulator registers debt counsellors and handles complaints about credit providers, and its head office is in Midrand. It does not restructure your debt or deal with your creditors for you.
To go under debt review you work with a registered debt counsellor. You can confirm any counsellor on the NCR register first, including ours, Cornel Strydom (NCRDC1437) and Susan Strydom (NCRDC1355).
Choosing between debt review companies in Pretoria
Before you sign with any debt review company in Pretoria, check that:
- The counsellor is registered with the NCR and gives you their NCRDC number.
- Fees are explained in writing before you sign.
- Nobody promises a fixed saving, cancelled debt or a paid “removal” from debt review.
- You can talk to the counsellor who will handle your file.
Want a number before you talk to anyone? Use the debt review calculator, or read more about our debt counselling service and how we help clients in Johannesburg.
Frequently asked questions
Do I need to visit an office in Pretoria for debt review?
No. The assessment, application and paperwork can all be done by phone, WhatsApp and email. Our office is in Gqeberha and we help Pretoria clients remotely every day.
How long does debt review take?
It depends on your debt and what you can afford. Most plans run between three and five years, and some finish sooner if accounts are settled early. Your counsellor gives you an estimate at the assessment.
Does debt review cost more in Pretoria?
No. Debt counselling fees follow the National Credit Regulator’s fee guidelines and the structure is the same in every city. The first assessment is free.
Can I take new credit while under debt review?
No. New credit is not allowed until your clearance certificate is issued.
What happens after the assessment?
- Discuss the recommendation, fees and responsibilities before deciding whether to apply.
- If formal Debt Review is appropriate and you proceed, your counsellor verifies the accounts and prepares a repayment proposal.
- The arrangement follows the required legal process. You need to maintain the agreed payments and keep in contact with your counsellor.
Ask how payments will reach creditors, how you will receive statements and what to do if your income changes. Keep copies of the documents and tell your counsellor about any further legal notices.
Can I complete the debt review assessment from Pretoria?
Contact DRC to arrange remote support and confirm the documents needed. The team is based in Newton Park, Gqeberha. You can ask who will handle your case and how you will receive updates without visiting the office.
The initial assessment is free. Formal Debt Counselling has fees, and an enquiry does not place you under Debt Review.
Before you apply
- Working with a debt counsellor
What an assessment and ongoing support should cover.
- Understand the fees
Compare the charges, payment schedule and total cost.
- Check whether Debt Review fits
Read about eligibility and the commitment involved.
- More Debt Review questions
Find answers about credit, repayments and completion.