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Complete the free “Request call back” form and one of our friendly qualified consultants will contact you to do an obligation free assessment


We’ll contact all your credit providers, credit bureaus and the NCR and you will immediately start to pay reduced monthly installments according to what you can afford. You are also safeguarded against any legal action hereon..


We partner with you the whole way on your journey to a debt free life, and you have our entire team at your disposal along this journey!


I would like to say to the team that I almost killed myself because of debts as the banks turned their backs on me. The moment I started debt review, I had a reason to fight to pay off all my debt. From now on, to me you are the debts doctor and a king of them all.

Vhangani Phistos Makhado

I would like to thank everyone from your team who helped me to become a person I am today with my financial life, especially Chris for helping from day one when I was really feeling weak. Thanks again for your time and help.

Gabisilele Zungu

The level of service I have received has been outstanding over the past few weeks. Thank you for assisting me with this process and allowing me to gain control over my finances. It is a great feeling to now be debt free and to remain so going forward.

Venessa Visser


If you are over-indebted and falling behind with your debt repayments, debt review can protect your assets. This debt protection forms part of the National Credit Act. Credit providers cannot take legal action against you if you go under debt review. We also consolidate all your debt into one monthly payment which is affordable based on your circumstances and reduces your interest rates. This means that aside from the protection of your assets, you will also end up paying less for your debt on a monthly basis.

You will not qualify for a consolidation loan if you are over-indebted. Not with us and not with anyone. If your current debt status is that you are over-indebted, you do not have the option of a consolidation loan. The only realistic & affordable way to prevent you from losing your assets is to go under debt review. Our debt review process can offer you immediate asset protection as per the National Credit Act and set you on a course of recovery from debt problems by consolidating your debt into one affordable monthly repayment, reducing your monthly debt repayments & interest and clearing your credit record after you have fulfilled your restructured debt obligations.

Are you struggling to repay your debt? Have you fallen behind on your scheduled debt repayments or are you at risk of falling behind in the immediate future? These are signs that in all likelihood you are over-indebted. It is also so that the sooner that you apply for debt review, the better. Once a credit provider commences with legal action, there is a risk that the particular debt cannot be included in your debt restructuring plan. Why stress & lose sleep any longer? Request a callback and we can start completing your free debt assessment today!

We have a lot of experience in dealing with credit providers and our debt review consultants have frequently negotiated debt restructuring proposals with all the major credit providers. Your debt consultant will therefore propose a restructured debt plan which is affordable to you and based on what he/she knows will be acceptable based on your debt position. We will then refer your proposed debt plan to their nominated attorneys who will obtain a court order in a magistrate’s court to enforce your restructuring debt plan on your credit providers. This court order is obtained as per the National Credit Act and protects your assets while you are under debt review.

No, you will never have to attend any court proceedings. Our nominated attorneys will obtain the court order for you and the legal fees relating to the court order is included in your reduced monthly debt repayment amount.

You need a monthly income in order for us to propose a reduced debt repayment plan to your credit providers. You will therefore not qualify for debt review if you are currently unemployed. We therefore suggest that you find a new job and then contact us for assistance with your debt if you are still over-indebted.
If you decide to apply for debt review, we will contact all your credit providers to inform them of your debt review status. If any of your credit providers or even their debt collectors contact you, you can simply refer them to your consultant and they are not allowed to threaten you or make any demands from you. We will handle all contact from your credit providers for the entire time that you are under debt review.
You will need to submit a joint debt review application with your spouse. We cannot process a single application if you are married in community of property and both of you will need to enter the debt review process.
The extent to which we can reduce your monthly debt repayment amounts depends on the type of debt that you have. No one can reduce the interest rates on property bonds and vehicle finance to the extent that it would result in a 60% reduction in the debt repayment amount. On unsecured loans, it is however possible to reduce debt repayments to this extent. If your debt therefore consists of only unsecured loans, we can do the same for you but if you also have a bond or vehicle finance, no one will be able to reduce your debt repayments by more than 60%. Any company which is claiming to be able to do so should not be trusted.
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