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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 debt review assessment.


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


We partner with you every step of the way on your journey to a debt-free life, and you have our entire debt review team at your disposal!


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 debt repayments, debt review services 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 with any financial services provider if you are over-indebted. If your current debt status is that you are over-indebted, you do not have the option of a consolidation loan. The only realistic and affordable way to prevent you from losing your assets is to seek debt review services with us, one of the best debt review companies in South Africa. 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 reviewing your debts and consolidating them 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. The sooner you make a debt review application, the better. Once a credit provider commences legal action, there is a risk that the particular debt cannot be included in your debt restructuring plan. Why stress and lose sleep any longer? Request a callback and we can start completing your free debt review assessment today!

We have a lot of experience dealing with credit providers, and our debt review consultants have frequently negotiated debt restructuring proposals with all the major credit providers. Your debt review consultant will propose a restructured debt plan that is affordable to you and acceptable based on your financial position. We will then refer your proposed debt review plan to our 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 in the process of seeking debt help services.

No, you will never have to attend any court proceedings while receiving debt review services. Our nominated attorneys will obtain the court order for you and the legal fees relating to the court order are 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. Therefore, you will not qualify for debt review services if you are currently unemployed. We suggest that you find a new job and then contact us for assistance with your debts 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. They are not allowed to threaten or make any demands from you. We will handle all contact from your credit providers for the entire time that you make use of our debt review services.

Debt review companies require you to submit a joint debt review application with your spouse if you are married in community of property. 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 your type of debt. 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, however, it is possible. If your debt consists of only unsecured loans, we can do the same for you. However, if you also have a bond or vehicle finance, no one will be able to reduce your debt repayments by more than 60%. Do not trust any company claiming to be able to do so.

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