Comprehensive Debt Solutions
Professional services tailored to your unique financial situation. Expert guidance from assessment to complete debt freedom.
Debt Counselling Service
Our comprehensive debt counselling service provides professional assessment, creditor negotiation, and court-approved repayment plans designed to make your debt manageable while protecting your assets.
Comprehensive Financial Assessment
Detailed evaluation of your income, expenses, and debt obligations
Over-Indebtedness Determination
Professional analysis to establish if you qualify for debt review
Creditor Negotiation
We negotiate with creditors on your behalf to reduce payments
Court-Approved Repayment Plan
Legally binding plan providing protection from legal action
Ongoing Monitoring & Support
Continuous support throughout your debt review period (typically 5-7 years)
Debt Review Removal Service
Once you've successfully completed your debt repayment, we handle all the legal and administrative processes to officially remove your debt review status and restore your credit profile.
Clearance Certificate Processing
We obtain clearance certificates from all your creditors
Legal Submission
Filing of required documentation for debt review removal
NCR & Credit Bureau Liaison
Communication with National Credit Regulator and credit bureaus
Credit Status Restoration
Complete restoration of your credit profile to debt-free status
Financial Rehabilitation & Consumer Education
Beyond debt relief, we empower you with the knowledge and skills for long-term financial wellness. Our comprehensive education program ensures you stay debt-free and build a secure financial future.
Financial Literacy Training
Comprehensive education on budgeting, saving, and money management
Individualized Financial Counseling
One-on-one guidance tailored to your unique circumstances
Responsible Credit Management
Learn how to use credit responsibly and avoid future debt problems
Ongoing Support
Continuous assistance throughout and after your debt review
Post-Debt Review Planning
Strategic financial planning for sustained wellness after completion
Our Multidisciplinary Expert Team
Your success is backed by a team of specialists with decades of combined experience
Debt Counsellors
NCR registered professionals specializing in debt review
Attorneys
Legal experts ensuring compliance and protection
Accountants
Financial analysis and strategic planning specialists
Ex-Senior Bankers
Industry insight and creditor relationship expertise
Transparent Fee Structure
All fees are NCR-regulated and integrated into your payment plan
Application Fee
One-time fee for initial assessment and application processing
Restructuring Fee
Based on single or joint applications. Covers negotiation and legal processes
Monthly Aftercare
5% of debt review payment, capped at R450. Ongoing support and monitoring
Important: All fees are NCR-regulated and transparently integrated into your payment plan. No hidden costs or surprise charges. Your fees are affordable and part of your monthly budget.
Accessible Across South Africa
We believe financial freedom should be accessible to everyone, regardless of location or language.
Multilingual Support
Services available in all 9 official South African languages, ensuring clear communication and understanding
Multiple Access Channels
In-person consultations, telephonic support, email communication, and WhatsApp messaging for your convenience
Nationwide Coverage
Operating in all 9 provinces of South Africa - from Cape Town to Johannesburg, Durban to Polokwane
Provinces We Serve
Ready To Start Your Journey To Financial Freedom?
Our expert team is standing by to help you choose the right solution for your unique situation.