Your Pretoria debt review journey
Once you sign the Form 16 application, we notify creditors and request official Certificates of Balance. These details allow us to negotiate reduced interest and instalments, then submit a proposal to the National Consumer Tribunal or Magistrate’s Court for approval.
You begin paying the single, affordable instalment immediately via our registered Payment Distribution Agency. Your counsellor takes it from there—no more creditor harassment while you focus on rebuilding your finances.
Why debt counselling works
Debt counselling is South Africa’s most effective solution for over-indebted households. It replaces multiple instalments with a structured repayment plan, reduces interest rates and positions your counsellor and the court as mediators between you and your creditors.
Many people wait until it’s too late because they think the process is complicated. In reality, it begins with a simple assessment, followed by feedback and a tailored solution so you can enjoy the full benefits of professional support.
