Benefits of Debt Counselling
- IMMEDIATE Financial Relief!
- One Consolidated Monthly Debt Repayment
- Lower Instalments
- Protection from Legal Action
- No More Harassment from Creditors
- Protection against Blacklisting
- Living expenses prioritised
- Expert Guidance throughout the Process
The Debt Rescue Plan
The National Credit Act formally introduced Debt Counselling to assist over-indebted consumers by developing a debt repayment plan, which is affordable to you as well as acceptable to all your Credit Providers.
It's free of charge and only takes a few minutes. Complete our online debt assessment and provide us with the details of your financial situation.
Your Debt Counsellor determines whether your monthly expenses and debt exceed your monthly income.
We’ll inform all your Credit Providers and the Credit Bureaus that you are under Debt Review.
Your debt counsellor will work out a new debt repayment plan with your creditors. This plan might mean you pay less each month but for a longer time. The plan is made to fit what you can afford after covering your basic living costs.
Our specialised attorneys will submit your new repayment plan to the court to be granted as a formal court order.
Once your plan is approved, you will be placed under Debt Review and legally protected from your credit providers. You’ll pay one reduced monthly payment, tailored to your budget, with enough money left to cover your essential living expenses.
Why Choose Debt Rescue
South Africa’s No.1 Debt Review Company
NCR-Registered and 100% Compliant
Professional, Compassionate Support
Immediate Financial Relief from Month 1!
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Debt Review: Know the Facts
What is debt review?
Debt review, also known as debt counselling, is a safe and affordable debt solution that helps South Africans reduce monthly repayments, protect assets, and avoid legal action. A registered debt counsellor works with your creditors to create a structured repayment plan that fits your budget, allowing you to cover essential living costs and work towards becoming debt-free with confidence.
How to avoid car repossession?
To avoid car repossession, it’s essential to act quickly when you’re struggling with debt. Debt review (also known as debt counselling) is one of the most effective ways to protect your vehicle. Once you’re under debt review, your assets, including your car, are legally protected from repossession and any form of new legal action, and a registered debt counsellor will negotiate reduced repayments with your creditors. Entering debt review provides the strongest legal protection, to prevent legal action.
How long does debt review last?
The journey depends on the amount and type of debt you have, along with what you can comfortably afford to repay each month. With the right support and a tailored repayment plan, many people find they make faster progress than expected — and every payment brings you one step closer to a debt-free future.
The advantages of debt review
Debt review helps you take control of your finances in a safe and structured way. Your monthly repayments are reduced to match what you can afford, your assets are protected from repossession, and all your essential living expenses are covered. It gives you immediate relief from creditor pressure and sets you on a clear path toward becoming debt-free, without needing to take on more debt. Best of all, you’ll have expert guidance every step of the way to help you rebuild your financial future with confidence.
What happens when I complete the debt review process?
Once all the debts included in the process have been settled, your debt counsellor will issue a Debt Review Clearance Certificate, the official proof that you’re debt-free and no longer under debt review. This certificate is sent to the credit bureaus and the credit providers, who will update your profile and remove the “under debt review” status. It marks the start of your fresh financial chapter, with the freedom to access credit responsibly again.