Most South Africans Stay Trapped In Debt Because They Never Check If They Qualify For Legal Debt Relief

Struggling with debt repayments? If you're over-indebted and qualify for debt review, we'll assess your situation for free and show you exactly what your options look like.

• ✅ Free, confidential assessment
• ✅ One dedicated financial advisor
• ✅ Find out how we can assist to reduce pressure on your monthly budget

It takes less than 60 seconds to see if you qualify for an assessment.

Confidential. No obligation.

You're exhausted from reworking numbers that never add up and dreading the phone ringing.

You need a way out, but you're right to be cautious about who to trust with your financial future.

Before you commit to anything, you deserve to see exactly where your money will go — how much covers fees, and how much actually pays down your debt.

You need every consequence explained upfront, including the details many providers leave out.

Most importantly, you need an honest assessment of whether debt counselling is actually the right path for you.

Real financial recovery starts with clear information — not pressure.

If you own a car, a home, or both — and you're behind on repayments — ignoring the problem won't protect them.

There is a legal process designed to help over-indebted consumers restructure repayments while protecting assets from repossession.

Debt review is regulated under the National Credit Act.

Debt Guidance has helped thousands of South Africans protect what they've worked for.

If your assets matter, don't gamble with them.

Check if you qualify.

Will I lose my car?

Not necessarily. In many cases assets can be protected if repayments are structured correctly.

Will my employer know?

Debt review is a confidential legal process. Your employer is not notified as part of the normal process. In cases where there are existing salary deductions (such as a garnishee order), payroll may already be aware of those deductions.

Does it affect my credit score?

Yes, you will not be able to access new credit while under review.

How long does it last?

Until your debt is repaid according to the court-approved plan. However, if your financial situation changes and you can settle your debts, then you can exit the process early.

What does it cost?

Fees are strictly regulated by the NCR. A portion of your first payment covers the counsellor's fee, which is fully disclosed to you before you sign anything.

Can I exit debt review early?

Yes, early exit is possible if you settle all listed debts and obtain a clearance certificate.

Lower interest means: lower monthly installments, less paid over time, and real breathing room.

Interest rate reductions shown are averages and may vary per individual case.