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Your Best South African Debt Counsellor

Do You Need Debt Relief?

Do you have too much debt?

  • Do you avoid answering the phone, don’t sleep because of worry, fear the end of the month, search continually for answers to your debt problems, but finding none?
  • Worry about losing your most valued assets like your car and home?
  • Struggle to buy groceries or pay the school fees?
  • Live from pay day to pay day and still not have enough to meet your financial commitments?

This is not how anyone wants to live. Debt Solutions can help you achieve financial freedom.  Being in debt is not a crime. It’s only one of life’s obstacles that can be overcome with a little help from us.  

Follow these 3 Easy Steps to Free Yourself from Debt

Step 1

Debt review

Great, let’s get started!

First, you’ll need to gather some documentation:

  • A copy of your ID
  • Your latest creditor statements. Remember all debt must be included in the debt review.
  • Your last three months’ salary advice
  • Your latest bank statement
  • Proof of Residence (Telkom, Eskom or Municipal Account)
  • Proof that your vehicle is insured if you are still paying it off
  • The front page of your Ante nuptial contract if married out of community of property.


Step 2

Freedom from debt

A New Beginning!

We suggest that you open a savings account at a bank where you have no credit agreements and inform your employer to start depositing your salary into your new account. We will determine if you are over indebted and inform your creditors and the Credit Bureaus of your application.

Your creditors may not start any new legal action against you after you have signed the application form, provided that your application is accepted. We will take over all negotiations with your creditors in order to ensure reduced installments on all your credit agreements. You will start paying one provisionally reduced monthly installment in respect of all your accounts included in the debt review, as from the first month end after you signed the application form.


Step 3

Stick to the Plan!

Debt review counsellors

We will draft a personal payment plan for you and send it as a proposal to your creditors. We will then obtain a court date from your local Magistrate to make the payment plan an order of the court. This will offer your full protection against your creditors as long as you make full and regular payments to the PDA as agreed.

The granting of the court order completes the application process and your creditors can’t take any legal action against you for as long as your keep making payments in accordance with your payment plan without any deviation. We will keep monitoring your situation and will still answer any questions that you may have. We will also still be supporting you during this journey until all your debt is settled.

Once all your debt has been settled, we will issue you with a Clearance Certificate and inform all the Credit Bureaus. They will then remove the Debt Review Flag from their records. After this you will be able to apply for credit again.



If you are ready to start your journey to a debt-free life, click on the button below. We’ll be right beside you all the way to provide advice on how to get out of debt as quickly as possible.

Yes! I want to live Debt Free!

Why you should use Debt Solutions

  • 1. We will guide you every step of the way.

    If you decide to select us as your debt counsellor, we become your debt management partner. You will no longer need to face your creditors on your own while they bombard you with final demands for payment or repayment arrangements.

    You’ll have us in your corner, ready to negotiate on your behalf. We know the law and the debt review process inside out and we will protect your best interests.

  • 2. We are an accredited, established debt counselling firm

    We have been around for years.

    We understand how the process works and how to apply the law to your unique circumstances. We have helped hundreds of clients to get out of debt and experience financial freedom again.

    We are registered at the National Credit Regulator, so you know that you are dealing with an accredited, professional organisation.

    Member of the Debt Counsellors Association of South Africa

    We are a proud Member of the Debt Counsellors Association of South Africa

  • 3. We are here to help you

    Our aim is to help you get your debt under control but also to educate you and help you avoid landing in the same situation a few years down the line.

    We do this by explaining the process to you as clearly as possible and answering any questions you may have along the way.

    In short, we want to build a relationship with you.

“What can be added to the happiness of a man who is in health, out of debt, and has a clear conscience?”
Adam Smith
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Our Contact Details

Mon - Fri: 08:00 - 16:30

084 589 7000


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