Thank you for using our calculator. It appears that you are overindebted.

Your results have been emailed to you!

With Debt Review you can save up to 60% of your total repayment of R / per month

Benefits of Debt Review


Make a single, affordable monthly payment


Avoid legal action


Asset protection

Find out more about your savings

Speak to a debt counselor today

Beware of "cheap" debt review

As a rule of thumb, it’s good to remember, that Lowest Instalment = Costly Repercussions

Cost-cutting is great, but when researching Debt Counsellors this should not take top priority. The cheapest debt review often has serious repercussions for the consumer as the client is not always the top priority for all Debt Counsellors.

The cheapest quote explained:

  1. The instalment needs to be sufficient to pay capital plus interest. When the instalment does not cover capital plus interest:
    1. The Court or National Tribunal will not grant an Order;
    2. Without a Debt Review Order you are left unprotected against legal action;
    3. When the Court dismisses your application, you lose the legal action protection of the Debt Review process and any arrears become due and payable immediately.
    4. The arrears need to be paid immediately to avoid further legal action and repossession. In the case of a bond, the full outstanding balance could become due and payable when legal action is issued.
  2. Creditors only reduce interest where the client offers a reasonable proposal.
  3. Without a sufficient distribution instalment, the creditors will not reduce interest rates. This results in longer repayment terms for the consumer.


REMEMBER: Should your quoted debt review instalment be less than your total monthly interest you are at risk that your Debt Review will not be accepted by the Courts and you could be in a worse position after Debt Review, than before you applied.